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colspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">FEES AND EXPENSES</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOCATION IN</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PROSPECTUS</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Charges for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:59pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Transaction Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may be subject to transaction charges if you surrender your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy or make a partial withdrawal. You also may be charged for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">other transactions, such as when you make a premium payment, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer Cash Value between investment options, or exercise your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Accelerated Death Benefit Settlement Option Rider.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:133pt;"> <td rowspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Ongoing Fees and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses (annual </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">charges)</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">In addition to charges described above, an investment in the Policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is subject to certain ongoing fees and expenses, including a mortality </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and expense risk charge, a monthly deduction covering the cost of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance under the Policy, a monthly administrative charge and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">charges for optional benefits added by rider. Such fees and expenses </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">are set based on characteristics of the Insured (e.g., the age and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rate class of the covered person) as well as the Group </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">characteristics. Please refer to the specifications page of your Policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">for applicable rates.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You will also bear expenses associated with the Portfolios available </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under your Policy, as shown in the following table:</span></div></div></td> <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Monthly </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deduction</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Mortality </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">and Expense Risk </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charge</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Portfolio </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and Expenses</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ANNUAL FEE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">MIN</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">MAX</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment options (Portfolio fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and expenses)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.09</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.26</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Charges for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:59pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Transaction Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may be subject to transaction charges if you surrender your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy or make a partial withdrawal. You also may be charged for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">other transactions, such as when you make a premium payment, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer Cash Value between investment options, or exercise your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Accelerated Death Benefit Settlement Option Rider.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:133pt;"> <td rowspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Ongoing Fees and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses (annual </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">charges)</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">In addition to charges described above, an investment in the Policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is subject to certain ongoing fees and expenses, including a mortality </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and expense risk charge, a monthly deduction covering the cost of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance under the Policy, a monthly administrative charge and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">charges for optional benefits added by rider. Such fees and expenses </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">are set based on characteristics of the Insured (e.g., the age and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rate class of the covered person) as well as the Group </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">characteristics. Please refer to the specifications page of your Policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">for applicable rates.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You will also bear expenses associated with the Portfolios available </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under your Policy, as shown in the following table:</span></div></div></td> <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Monthly </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deduction</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Mortality </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">and Expense Risk </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charge</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Portfolio </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and Expenses</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ANNUAL FEE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">MIN</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">MAX</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment options (Portfolio fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and expenses)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.09</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.26</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> 0.0009 0.0126 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td colspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Bottom;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">RISKS</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOCATION IN</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PROSPECTUS</span></div></div></td></tr> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Risk of Loss</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in this Policy, including loss of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">principal.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr> <tr style="height:70pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Not a Short-Term </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Policies are designed to provide insurance protection. They </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should not be used as a short-term investment or if you need ready </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">access to cash, because you will be charged when you make </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premium payments and you will also pay a transaction fee on partial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals. In addition, withdrawals may be subject to ordinary </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income tax and tax penalties.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr> <tr style="height:70pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Risks Associated with </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment Options</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in this Policy is subject to the risk of poor investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance and can vary depending on the performance of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolios available under the Policy. Each investment option </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including any General Account investment option) has its own </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">unique risks. You should review the investment options before </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">making an investment decision.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr> <tr style="height:111.5pt;"> <td style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Insurance Company </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Risks</span></div></div></td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investments in the Policy are subject to the risks related to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Metropolitan Life, including any obligations (including under any </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">General Account investment option), guarantees, and benefits of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy, including any death benefit, that are subject to the claims </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">paying ability of Metropolitan Life. If Metropolitan Life experiences </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">financial distress, it may not be able to meet its obligations to you. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">More information about Metropolitan Life, including its financial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">strength ratings, is available upon request by calling (800) 756-0124 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or visiting: https://www.metlife.com/about-us/corporate-profile/</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">ratings.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:92pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Contract Lapse</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Your Policy may lapse if you have paid an insufficient amount of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premiums or if the investment experience of the Portfolios is poor </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and the Cash Surrender Value under your Policy is insufficient to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">cover the monthly deduction. Lapse of a Policy on which there is an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loan may have adverse tax consequences. If the Policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">lapses, no death benefit will be paid. A Policy may be reinstated if </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the conditions for reinstatement are met including the payment of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">required premiums.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in this Policy, including loss of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">principal.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Policies are designed to provide insurance protection. They </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should not be used as a short-term investment or if you need ready </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">access to cash, because you will be charged when you make </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premium payments and you will also pay a transaction fee on partial </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals. In addition, withdrawals may be subject to ordinary </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income tax and tax penalties.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in this Policy is subject to the risk of poor investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance and can vary depending on the performance of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolios available under the Policy. Each investment option </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including any General Account investment option) has its own </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">unique risks. You should review the investment options before </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">making an investment decision.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investments in the Policy are subject to the risks related to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Metropolitan Life, including any obligations (including under any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">General Account investment option), guarantees, and benefits of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy, including any death benefit, that are subject to the claims </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">paying ability of Metropolitan Life. If Metropolitan Life experiences </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">financial distress, it may not be able to meet its obligations to you. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">More information about Metropolitan Life, including its financial </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">strength ratings, is available upon request by calling (800) 756-0124 </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or visiting: https://www.metlife.com/about-us/corporate-profile/</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">ratings.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Your Policy may lapse if you have paid an insufficient amount of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premiums or if the investment experience of the Portfolios is poor </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and the Cash Surrender Value under your Policy is insufficient to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">cover the monthly deduction. Lapse of a Policy on which there is an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loan may have adverse tax consequences. If the Policy </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">lapses, no death benefit will be paid. A Policy may be reinstated if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the conditions for reinstatement are met including the payment of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">required premiums.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Owners may transfer Cash Value between and among the Divisions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and the General Account. At the present time, no charge is assessed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">against the Cash Value of a Policy when amounts are transferred </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the Divisions of the Separate Account and between the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Divisions and the General Account, but we reserve the right to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">impose a charge of $25 to cover administrative costs incurred in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">processing any transfer in excess of 12 in a Policy Year. We have </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">limits on the amount that may be allocated and transferred to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">General Account (“maximum allocation percentage”). The initial </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">General Account maximum allocation percentage is shown on the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy’s specifications page, and we may change this percentage </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from time to time.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The total amount of transfers and withdrawals from the General </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account in a Policy Year may not exceed the greater of (i) the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy’s Cash Surrender Value in the General Account at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beginning of the Policy Year, multiplied by the withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage limit shown on the Policy’s specifications page, or (ii) </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the previous Policy Year’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">General Account maximum withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount. We are currently not enforcing this restriction for partial </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals. Restrictions may apply to frequent transfers.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Metropolitan Life reserves the right to remove or substitute </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolios as investment options that are available under the Policy.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Rider availability is subject to your employer making the rider </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available. Depending upon your employer’s requirements, certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy riders may only be able to be added to in force Policies during </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the employer’s annual enrollment. You should check with your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">employer regarding the availability of riders.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Consult with a tax professional to determine the tax implications of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">an investment in and payments received under this Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawals may be subject to ordinary income tax, and may be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to tax penalties.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lapse of a Policy on which there is an outstanding loan may have </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">adverse tax consequences.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Your investment professional may receive compensation relating to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your ownership of a Policy. These investment professionals may have </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a financial incentive to offer or recommend the Policy over another </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Some investment professionals may have a financial incentive to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">offer you a new policy in place of your current Policy. You should </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">only exchange your Policy if you determine, after comparing the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">features, fees, and risks of both policies, that it is better for you to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchase the new policy rather than continue to own your existing </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy.</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">FEE TABLES</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Policy. We may charge fees and use rates that are lower than the maximum guaranteed charges reflected in the tables. Please refer to your Policy specification page for information about the specific fees you will pay each year based on the options you have elected.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The first table describes the fees and expenses that you will pay at the time that you buy the Policy, surrender or make withdrawals from the Policy, or transfer Cash Value between investment options.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Transaction Fees </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Amount Deducted</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum Premium Expense Charge </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(load)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">For </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policies issued under Group </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contracts</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium payment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">None</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">For </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policies treated as individual </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">contracts under Omnibus Budget </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Reconciliation Act of 1990</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.00</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">% of each Premium Payment</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium Payment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">% of each Premium Payment</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Partial Withdrawal Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon each partial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">withdrawal from the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Policy</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon transfer in </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">excess of 12 in a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Policy Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per transfer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:36.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit Settlement </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Option Rider Administrative Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">At the time an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">accelerated death </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">benefit is paid</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The partial withdrawal charge is the lesser of $25 or 2% of the amount withdrawn.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not currently impose this charge.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The next table describes the fees and expenses that you will pay periodically during the time that you own the Policy not including Portfolio fees and expenses.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Periodic Charges Other Than Annual Portfolio Operating Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Amount Deducted</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Charges:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;"> Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.15</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">31.31</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.45 per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.00</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mortality and Expense Risk Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Daily</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.90</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">% (annually) of the net assets of each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Division of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Separate Account</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Interest Spread</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annually</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"><span style="-sec-ix-hidden:x_82d1590c-a8e7-4ea7-a67a-0635ea6129e9">3.0</span></span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Charges:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly Deductions</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(6),(7)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;"> Charge</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.31</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.00 per $1,000 of net amount at risk</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cost of insurance charges vary based on the Insured’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">attained age and rate class. The cost of insurance charges shown in the table may not be typical of the charges you will pay. More detailed information concerning your cost of insurance charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A representative Insured is a person with an attained age of 45, actively at work.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum administrative charge we can apply to Policies under any Group Contract can vary but will not exceed the amounts in the table. Please refer to your Policy Schedule Page for the administrative charge that applies to your Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Mortality and Expense Risk Charge is currently 0.75% (annually) of the net assets of each Division of the Separate Account.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum amount of interest we charge is 8% and the minimum amount of interest we credit is 5% for a maximum loan interest spread of 3%.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges for this rider vary based on the Insured's individual characteristics. The rider charges shown in the table may not be representative of the charge that you will pay. Your Policy will indicate the charges applicable to your Policy. More detailed information concerning your charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(7)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum charge for this rider does not increase the maximum charge outlined under the maximum charge of the Cost of Insurance Charge. Similarly, the charge for a representative insured is also $0.00 per $1,000 of the net amount at risk because the charge is included in the current Cost of Insurance Charge.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The next table shows the minimum and maximum total operating expenses charged by the Portfolios that you may pay periodically during the time that you own the Policy. A complete list of the Portfolios available under the Policy, including their annual expenses, may be found in Appendix A at the back of this document. </span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Annual Portfolio Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:362.45pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:61.41pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:62.14pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:362.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses (as a percentage of average net assets)</span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio assets, including management fees, </span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:61.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.09</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:62.14pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.26</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Transaction Fees </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Amount Deducted</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum Premium Expense Charge </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(load)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">For </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policies issued under Group </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contracts</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium payment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">None</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">For </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policies treated as individual </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">contracts under Omnibus Budget </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Reconciliation Act of 1990</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.00</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">% of each Premium Payment</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium Payment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">% of each Premium Payment</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Partial Withdrawal Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon each partial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">withdrawal from the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Policy</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon transfer in </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">excess of 12 in a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Policy Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per transfer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:36.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit Settlement </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Option Rider Administrative Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">At the time an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">accelerated death </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">benefit is paid</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The partial withdrawal charge is the lesser of $25 or 2% of the amount withdrawn.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not currently impose this charge.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">For </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policies issued under Group </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contracts</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium payment</span> 0 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">For </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policies treated as individual </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">contracts under Omnibus Budget </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Reconciliation Act of 1990</span> 0.0100 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium Payment</span> 0.0225 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Partial Withdrawal Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon each partial </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">withdrawal from the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Policy</span> 25 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon transfer in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">excess of 12 in a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Policy Year</span> 25 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit Settlement </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Option Rider Administrative Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">At the time an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">accelerated death </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">benefit is paid</span> 100 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The partial withdrawal charge is the lesser of $25 or 2% of the amount withdrawn.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not currently impose this charge.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Periodic Charges Other Than Annual Portfolio Operating Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Amount Deducted</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Charges:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;"> Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.15</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">31.31</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.45 per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.00</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mortality and Expense Risk Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Daily</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.90</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">% (annually) of the net assets of each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Division of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Separate Account</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Interest Spread</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annually</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"><span style="-sec-ix-hidden:x_82d1590c-a8e7-4ea7-a67a-0635ea6129e9">3.0</span></span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Charges:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly Deductions</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(6),(7)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;"> Charge</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.31</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.00 per $1,000 of net amount at risk</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cost of insurance charges vary based on the Insured’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">attained age and rate class. The cost of insurance charges shown in the table may not be typical of the charges you will pay. More detailed information concerning your cost of insurance charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A representative Insured is a person with an attained age of 45, actively at work.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum administrative charge we can apply to Policies under any Group Contract can vary but will not exceed the amounts in the table. Please refer to your Policy Schedule Page for the administrative charge that applies to your Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Mortality and Expense Risk Charge is currently 0.75% (annually) of the net assets of each Division of the Separate Account.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum amount of interest we charge is 8% and the minimum amount of interest we credit is 5% for a maximum loan interest spread of 3%.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges for this rider vary based on the Insured's individual characteristics. The rider charges shown in the table may not be representative of the charge that you will pay. Your Policy will indicate the charges applicable to your Policy. More detailed information concerning your charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(7)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum charge for this rider does not increase the maximum charge outlined under the maximum charge of the Cost of Insurance Charge. Similarly, the charge for a representative insured is also $0.00 per $1,000 of the net amount at risk because the charge is included in the current Cost of Insurance Charge.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost of Insurance Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 0.0015 0.3131 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.45 per $1,000 of net amount at risk</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 6.00 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mortality and Expense Risk Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Daily</span> 0.0090 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Interest Spread</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annually</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly Deductions</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 0.0010 0.0031 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.00 per $1,000 of net amount at risk</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cost of insurance charges vary based on the Insured’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">attained age and rate class. The cost of insurance charges shown in the table may not be typical of the charges you will pay. More detailed information concerning your cost of insurance charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A representative Insured is a person with an attained age of 45, actively at work.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum administrative charge we can apply to Policies under any Group Contract can vary but will not exceed the amounts in the table. Please refer to your Policy Schedule Page for the administrative charge that applies to your Policy.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Mortality and Expense Risk Charge is currently 0.75% (annually) of the net assets of each Division of the Separate Account.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum amount of interest we charge is 8% and the minimum amount of interest we credit is 5% for a maximum loan interest spread of 3%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges for this rider vary based on the Insured's individual characteristics. The rider charges shown in the table may not be representative of the charge that you will pay. Your Policy will indicate the charges applicable to your Policy. More detailed information concerning your charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(7)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum charge for this rider does not increase the maximum charge outlined under the maximum charge of the Cost of Insurance Charge. Similarly, the charge for a representative insured is also $0.00 per $1,000 of the net amount at risk because the charge is included in the current Cost of Insurance Charge.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:362.45pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:61.41pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:62.14pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:362.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses (as a percentage of average net assets)</span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio assets, including management fees, </span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:61.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.09</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:62.14pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.26</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses (as a percentage of average net assets)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio assets, including management fees, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span> 0.0009 0.0126 <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">PRINCIPAL RISKS</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Investment Risk </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you invest your Cash Value in one or more Divisions of the Separate Account, then you will be subject to the risk that the investment performance of the Divisions will be unfavorable and that the Cash Value will decrease. An investment in this Policy is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the Portfolio. Each investment option (including the General Account option) has its own unique risks. You should review the investment options before making an investment decision. A comprehensive discussion of the risks of each of the Portfolios may be found in each Portfolio’s prospectus. Please refer to the prospectuses for the Portfolios for more information. There is no assurance that any of the Portfolios will achieve its stated investment objective. In addition, we deduct Policy fees and charges from your Cash Value, which can significantly reduce your Cash Value. During times of poor investment performance, this deduction will have an even greater impact on your Cash Value. You could lose everything you invest and your Policy could lapse without value, unless you pay additional premium.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you allocate premiums to the General Account, then we credit your Cash Value in the General Account with a declared rate of interest. You assume the risk that the interest rate on the General Account may decrease, although it will never be lower than a guaranteed minimum annual effective rate of 4%.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Risk of an Increase in Current Fees and Expenses </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Certain fees and expenses currently are assessed at less than their guaranteed maximum levels. In the future, we may increase these current charges up to the guaranteed (that is, maximum) levels. If fees and expenses are increased, you may need to increase the amount and/or frequency of premiums to keep the Policy in force.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Policy Lapse </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If your Cash Surrender Value is not enough to pay the monthly deduction and other charges, your Policy may enter a 62-day grace period. A shorter grace period applies to the Contractholder (the Employer) of the Group Contract. We will notify you that the Policy will lapse (terminate without value) unless you make sufficient payment during the grace period. Your Policy also may lapse if your Indebtedness exceeds your Cash Value on any Monthly Anniversary. If either of these situations occurs, your Policy will be in default and you must pay a specified amount of new premium to prevent your Policy from lapsing. Subject to certain conditions and our underwriting rules, you may reinstate a lapsed Policy within five years after the date of lapse and before the Maturity Date. In certain situations your Policy may also terminate if your Employer ends its participation in the Group Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Limitations on Access to Cash Value</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We limit partial withdrawals of Cash Value from the Policies. You may not take a partial withdrawal in the first Policy Year. Thereafter, you may make up to one partial withdrawal each Policy Month. The minimum amount of a partial withdrawal, net of any transaction charges, is currently $200. The minimum amount that can be withdrawn from any one Division or from the General Account is the lesser of $50 or the Policy’s Cash Value in that Division or in the General Account. The maximum amount that can be withdrawn, including the partial withdrawal transaction charge, is the Loan Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Limitations on Transfers</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We do not currently charge for transfers, but we reserve the right to charge up to $25 per transfer to cover administrative costs incurred in processing any transfer in excess of 12 in a Policy Year, except for transfers under the Automated Investment Strategies. We have adopted procedures to limit excessive transfer activity. In addition, each Fund may restrict or refuse certain transfers among, or purchases of shares in their Portfolios as a result of certain market timing activities. You should read each Portfolio’s prospectus for more details. The minimum amount that you must transfer is currently $250, or, if less, the Policy’s Cash Value in a Division or in the General Account. We are not currently enforcing this restriction for transfers from the General Account but reserve the right to do so in the future.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Tax Treatment </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">To qualify as a life insurance contract for federal income tax purposes and to receive the tax treatment normally accorded life insurance contracts under federal tax law, a Policy must satisfy certain requirements which are set forth in the Internal Revenue Code (the “Code”). Guidance as to how these requirements are to be applied is limited. Nevertheless, we believe that the Policy should satisfy the applicable requirements. If it is subsequently determined that a Policy does not satisfy the applicable requirements, we may take appropriate steps to bring the Policy into compliance with such requirements and we reserve the right to restrict Policy transactions in order to do so. The insurance proceeds payable upon death of the Insured will never be less than the minimum amount required for a Policy to be treated as life insurance under Section 7702 of the Code, as in effect on the date the Policy was issued. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Depending on the total amount of premiums you pay, the Policy may be treated as a “modified endowment contract” (“MEC”) under federal tax laws. If a Policy is treated as a MEC, then surrenders, partial withdrawals and loans under the Policy will be taxable as ordinary income to the extent there are earnings in the Policy. In addition, a 10% penalty tax may be imposed on surrenders, partial withdrawals, and loans taken before you reach age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under current federal income tax law, the taxable portion of distributions from variable life contracts is taxed at ordinary income tax rates and does not qualify for the reduced tax rate applicable to long-term capital gains and dividends. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You should consult a qualified tax adviser for assistance in all Policy-related tax matters.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Surrender and Partial Withdrawals (Short-Term Investment Risk)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We designed the Policy to meet long-term financial goals. To best realize the benefits available through the Policy, including the benefit of tax deferred build-up of Cash Value, you should purchase the Policy only if you have the financial ability to keep it in force for a substantial period of time. You should not purchase the Policy if you intend to surrender all or part of the Policy in the near future. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The Policy is not suitable as a short-term savings vehicle. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A surrender, in whole or in part, may have tax consequences and may increase the risk that your Policy will lapse. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We assess a partial withdrawal transaction charge equal to the lesser of $25 or 2% of the amount withdrawn. A partial withdrawal may reduce the Face Amount as well as the death benefit. In certain circumstances, the reduction of the death benefit resulting from a partial withdrawal also may affect the cost of insurance charge and the amount of insurance protection afforded under a Policy. Partial withdrawals may have tax consequences and may increase the risk that your Policy will lapse.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Loans </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A Policy Loan, whether or not repaid, will affect Cash Value over time because we subtract the amount of the Policy Loan from the Divisions of the Separate Account and/or the General Account and hold that amount in the Loan Account. This loan collateral does not participate in the investment performance of the Divisions of the Separate Account. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We reduce the amount we pay on the Insured’s death, surrender, or the maturity of the Policy, by the amount of any Indebtedness. Your Policy may lapse (terminate without value) if the Indebtedness exceeds the Cash Value on any Monthly Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A Policy Loan may have tax consequences. If you surrender the Policy or allow the Policy to lapse or if the Policy terminates while a Policy Loan is outstanding, the amount of the outstanding Indebtedness, to the extent it has not previously been taxed, will be added to any amount you receive and taxed accordingly.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Pandemics and Other Public Health Issues, and Other Events</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Pandemics and other public health issues or other events, and governmental, business, and consumer reactions to them, may affect economic conditions and may cause a large number of illnesses or deaths. Hurricanes, windstorms, earthquakes, hail, tornadoes, explosions, severe winter weather, fires, floods and mudslides, blackouts and man-made events such as riot, insurrection, terrorist attacks or acts of war may also cause catastrophic losses and increased claims. Any such catastrophes may also result in changes in consumer or business confidence, behavior and investment and business activity, changes to interest rates and other market risk factors, and governmental or other restrictions on economic activity for prolonged periods.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Cybersecurity</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Our business is highly dependent upon the effective operation of our information systems, and those of our service providers, vendors, and other third parties. Cybersecurity breaches of such systems can be intentional or unintentional events, and can occur through unauthorized access to computer systems, networks or devices; infection from computer viruses or other malicious software code; or attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality and our disaster recovery systems may be insufficient to safeguard our ability to conduct business. Cybersecurity breaches can interfere with our processing of Policy transactions, including the processing of transfer orders from our website or with the Portfolios; impact our ability to calculate accumulation unit values; cause the release and possible loss or destruction of confidential Owner or business information; impede order processing or cause other operational issues; and result in regulatory enforcement actions or new laws or regulations which could increase our compliance costs. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, and we require our critical vendors to implement effective cybersecurity and data protection measures, there is no guarantee that we will be able to successfully manage this risk at all times.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Terrorism and Security Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The continued threat of terrorism, ongoing or potential military conflict and other actions, and heightened security measures may cause economic uncertainty and result in loss of life, property damage, additional disruptions to commerce and reduced economic activity. The value of MetLife’s investment portfolio may be adversely affected by declines in the credit and equity markets and reduced economic activity caused by such threats. Companies in which we maintain investments may suffer losses as a result of financial, commercial or economic disruptions, and such disruptions might affect the ability of those companies to pay interest or principal on their securities or </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">mortgage loans. Terrorist or military actions also could disrupt our operations centers and result in higher than anticipated claims under our insurance policies.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Insurance Company Risks</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Policies are subject to the risks related to Metropolitan Life. Any obligations (including under any General Account investment option), guarantees, and benefits of the Policy are subject to the claims paying ability of Metropolitan Life. If Metropolitan Life experiences financial distress, it may not be able to meet its obligations to you. More information about Metropolitan Life, including its financial strength ratings, is available upon request by calling (800) 756-0124 or by visiting https://www.metlife.com/about-us/corporate-profile/ratings.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Technology Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Our business operations rely on functioning and secure information systems, including those of our vendors and other third parties. Technological changes present us with new or intensified challenges, and if we are unable to foresee or adapt to these changes, our business may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Technological changes may affect our business model and how we interact with our customers. The growth and availability of AI technologies, including generative AI, presents significant opportunities but also complex challenges; these include balancing and mitigating potential risks of harm posed by the development or deployment of AI technologies, as well as implementing and maintaining controls reasonably designed to ensure compliance with an increasingly complex AI regulatory landscape, with evolving requirements that may vary across jurisdictions. We may fail to adopt new technologies as effectively or efficiently as others, leading to competitive harm. If we are unable to update our business model to match evolving consumer preferences or the evolving technological landscape, we may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">New technologies may impact the configuration of our information systems, and how they connect with those of our vendors, service providers and/or partners. Such technological developments may introduce or uncover information security vulnerabilities, which may result in breaches, increased costs associated with maintaining appropriate data privacy, data protection, and cybersecurity measures, enforcement actions against us by regulators or other outcomes that may adversely impact our operations or business. In addition, any such vulnerability that results in a security breach or failure of our information systems, or those of third parties on which we rely, may result in litigation, regulatory action, negative impacts to our business operations, and reputational harm.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Investment Risk </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you invest your Cash Value in one or more Divisions of the Separate Account, then you will be subject to the risk that the investment performance of the Divisions will be unfavorable and that the Cash Value will decrease. An investment in this Policy is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the Portfolio. Each investment option (including the General Account option) has its own unique risks. You should review the investment options before making an investment decision. A comprehensive discussion of the risks of each of the Portfolios may be found in each Portfolio’s prospectus. Please refer to the prospectuses for the Portfolios for more information. There is no assurance that any of the Portfolios will achieve its stated investment objective. In addition, we deduct Policy fees and charges from your Cash Value, which can significantly reduce your Cash Value. During times of poor investment performance, this deduction will have an even greater impact on your Cash Value. You could lose everything you invest and your Policy could lapse without value, unless you pay additional premium.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you allocate premiums to the General Account, then we credit your Cash Value in the General Account with a declared rate of interest. You assume the risk that the interest rate on the General Account may decrease, although it will never be lower than a guaranteed minimum annual effective rate of 4%.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Risk of an Increase in Current Fees and Expenses </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Certain fees and expenses currently are assessed at less than their guaranteed maximum levels. In the future, we may increase these current charges up to the guaranteed (that is, maximum) levels. If fees and expenses are increased, you may need to increase the amount and/or frequency of premiums to keep the Policy in force.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Policy Lapse </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If your Cash Surrender Value is not enough to pay the monthly deduction and other charges, your Policy may enter a 62-day grace period. A shorter grace period applies to the Contractholder (the Employer) of the Group Contract. We will notify you that the Policy will lapse (terminate without value) unless you make sufficient payment during the grace period. Your Policy also may lapse if your Indebtedness exceeds your Cash Value on any Monthly Anniversary. If either of these situations occurs, your Policy will be in default and you must pay a specified amount of new premium to prevent your Policy from lapsing. Subject to certain conditions and our underwriting rules, you may reinstate a lapsed Policy within five years after the date of lapse and before the Maturity Date. In certain situations your Policy may also terminate if your Employer ends its participation in the Group Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Limitations on Access to Cash Value</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We limit partial withdrawals of Cash Value from the Policies. You may not take a partial withdrawal in the first Policy Year. Thereafter, you may make up to one partial withdrawal each Policy Month. The minimum amount of a partial withdrawal, net of any transaction charges, is currently $200. The minimum amount that can be withdrawn from any one Division or from the General Account is the lesser of $50 or the Policy’s Cash Value in that Division or in the General Account. The maximum amount that can be withdrawn, including the partial withdrawal transaction charge, is the Loan Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Limitations on Transfers</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We do not currently charge for transfers, but we reserve the right to charge up to $25 per transfer to cover administrative costs incurred in processing any transfer in excess of 12 in a Policy Year, except for transfers under the Automated Investment Strategies. We have adopted procedures to limit excessive transfer activity. In addition, each Fund may restrict or refuse certain transfers among, or purchases of shares in their Portfolios as a result of certain market timing activities. You should read each Portfolio’s prospectus for more details. The minimum amount that you must transfer is currently $250, or, if less, the Policy’s Cash Value in a Division or in the General Account. We are not currently enforcing this restriction for transfers from the General Account but reserve the right to do so in the future.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Tax Treatment </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">To qualify as a life insurance contract for federal income tax purposes and to receive the tax treatment normally accorded life insurance contracts under federal tax law, a Policy must satisfy certain requirements which are set forth in the Internal Revenue Code (the “Code”). Guidance as to how these requirements are to be applied is limited. Nevertheless, we believe that the Policy should satisfy the applicable requirements. If it is subsequently determined that a Policy does not satisfy the applicable requirements, we may take appropriate steps to bring the Policy into compliance with such requirements and we reserve the right to restrict Policy transactions in order to do so. The insurance proceeds payable upon death of the Insured will never be less than the minimum amount required for a Policy to be treated as life insurance under Section 7702 of the Code, as in effect on the date the Policy was issued. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Depending on the total amount of premiums you pay, the Policy may be treated as a “modified endowment contract” (“MEC”) under federal tax laws. If a Policy is treated as a MEC, then surrenders, partial withdrawals and loans under the Policy will be taxable as ordinary income to the extent there are earnings in the Policy. In addition, a 10% penalty tax may be imposed on surrenders, partial withdrawals, and loans taken before you reach age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under current federal income tax law, the taxable portion of distributions from variable life contracts is taxed at ordinary income tax rates and does not qualify for the reduced tax rate applicable to long-term capital gains and dividends. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You should consult a qualified tax adviser for assistance in all Policy-related tax matters.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Surrender and Partial Withdrawals (Short-Term Investment Risk)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We designed the Policy to meet long-term financial goals. To best realize the benefits available through the Policy, including the benefit of tax deferred build-up of Cash Value, you should purchase the Policy only if you have the financial ability to keep it in force for a substantial period of time. You should not purchase the Policy if you intend to surrender all or part of the Policy in the near future. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The Policy is not suitable as a short-term savings vehicle. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A surrender, in whole or in part, may have tax consequences and may increase the risk that your Policy will lapse. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We assess a partial withdrawal transaction charge equal to the lesser of $25 or 2% of the amount withdrawn. A partial withdrawal may reduce the Face Amount as well as the death benefit. In certain circumstances, the reduction of the death benefit resulting from a partial withdrawal also may affect the cost of insurance charge and the amount of insurance protection afforded under a Policy. Partial withdrawals may have tax consequences and may increase the risk that your Policy will lapse.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Loans </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A Policy Loan, whether or not repaid, will affect Cash Value over time because we subtract the amount of the Policy Loan from the Divisions of the Separate Account and/or the General Account and hold that amount in the Loan Account. This loan collateral does not participate in the investment performance of the Divisions of the Separate Account. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We reduce the amount we pay on the Insured’s death, surrender, or the maturity of the Policy, by the amount of any Indebtedness. Your Policy may lapse (terminate without value) if the Indebtedness exceeds the Cash Value on any Monthly Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A Policy Loan may have tax consequences. If you surrender the Policy or allow the Policy to lapse or if the Policy terminates while a Policy Loan is outstanding, the amount of the outstanding Indebtedness, to the extent it has not previously been taxed, will be added to any amount you receive and taxed accordingly.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Pandemics and Other Public Health Issues, and Other Events</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Pandemics and other public health issues or other events, and governmental, business, and consumer reactions to them, may affect economic conditions and may cause a large number of illnesses or deaths. Hurricanes, windstorms, earthquakes, hail, tornadoes, explosions, severe winter weather, fires, floods and mudslides, blackouts and man-made events such as riot, insurrection, terrorist attacks or acts of war may also cause catastrophic losses and increased claims. Any such catastrophes may also result in changes in consumer or business confidence, behavior and investment and business activity, changes to interest rates and other market risk factors, and governmental or other restrictions on economic activity for prolonged periods.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Cybersecurity</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Our business is highly dependent upon the effective operation of our information systems, and those of our service providers, vendors, and other third parties. Cybersecurity breaches of such systems can be intentional or unintentional events, and can occur through unauthorized access to computer systems, networks or devices; infection from computer viruses or other malicious software code; or attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality and our disaster recovery systems may be insufficient to safeguard our ability to conduct business. Cybersecurity breaches can interfere with our processing of Policy transactions, including the processing of transfer orders from our website or with the Portfolios; impact our ability to calculate accumulation unit values; cause the release and possible loss or destruction of confidential Owner or business information; impede order processing or cause other operational issues; and result in regulatory enforcement actions or new laws or regulations which could increase our compliance costs. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, and we require our critical vendors to implement effective cybersecurity and data protection measures, there is no guarantee that we will be able to successfully manage this risk at all times.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Terrorism and Security Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The continued threat of terrorism, ongoing or potential military conflict and other actions, and heightened security measures may cause economic uncertainty and result in loss of life, property damage, additional disruptions to commerce and reduced economic activity. The value of MetLife’s investment portfolio may be adversely affected by declines in the credit and equity markets and reduced economic activity caused by such threats. Companies in which we maintain investments may suffer losses as a result of financial, commercial or economic disruptions, and such disruptions might affect the ability of those companies to pay interest or principal on their securities or </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">mortgage loans. Terrorist or military actions also could disrupt our operations centers and result in higher than anticipated claims under our insurance policies.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Insurance Company Risks</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Policies are subject to the risks related to Metropolitan Life. Any obligations (including under any General Account investment option), guarantees, and benefits of the Policy are subject to the claims paying ability of Metropolitan Life. If Metropolitan Life experiences financial distress, it may not be able to meet its obligations to you. More information about Metropolitan Life, including its financial strength ratings, is available upon request by calling (800) 756-0124 or by visiting https://www.metlife.com/about-us/corporate-profile/ratings.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Technology Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Our business operations rely on functioning and secure information systems, including those of our vendors and other third parties. Technological changes present us with new or intensified challenges, and if we are unable to foresee or adapt to these changes, our business may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Technological changes may affect our business model and how we interact with our customers. The growth and availability of AI technologies, including generative AI, presents significant opportunities but also complex challenges; these include balancing and mitigating potential risks of harm posed by the development or deployment of AI technologies, as well as implementing and maintaining controls reasonably designed to ensure compliance with an increasingly complex AI regulatory landscape, with evolving requirements that may vary across jurisdictions. We may fail to adopt new technologies as effectively or efficiently as others, leading to competitive harm. If we are unable to update our business model to match evolving consumer preferences or the evolving technological landscape, we may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">New technologies may impact the configuration of our information systems, and how they connect with those of our vendors, service providers and/or partners. Such technological developments may introduce or uncover information security vulnerabilities, which may result in breaches, increased costs associated with maintaining appropriate data privacy, data protection, and cybersecurity measures, enforcement actions against us by regulators or other outcomes that may adversely impact our operations or business. In addition, any such vulnerability that results in a security breach or failure of our information systems, or those of third parties on which we rely, may result in litigation, regulatory action, negative impacts to our business operations, and reputational harm.</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">POLICY BENEFITS</span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Standard Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">As long as the Policy remains in force, we will pay the death benefit proceeds to the Beneficiary once we receive at our Administrative Office (i) satisfactory proof of the Insured’s death, (ii) instructions on how to pay the proceeds, and (iii) any other documents, forms and information we need. We may require you to return the Policy. (If the Beneficiary dies before the Insured, we will generally pay the insurance proceeds, in a single sum, to the Owner, or, if the Owner is not living, to the Owner’s estate.) Payment of death benefit proceeds will not be affected by termination of the Group Contract, the Employer-sponsored insurance program, or an Employee’s employment. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Death benefit proceeds equal: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the death benefit (described below); </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">plus </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">any additional insurance provided by rider; </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">minus </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">any unpaid monthly deductions; </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">minus </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">any outstanding Indebtedness. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">An increase in Face Amount will increase the death benefit, and a decrease in Face Amount will decrease the death benefit. We may further adjust the amount of the death proceeds under certain circumstances. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you have a rider permitting the accelerated payment of death benefit proceeds, the death benefit may be paid in a single sum before the death of the Insured, and would be less than otherwise would be paid upon the death of the Insured. </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Payment of the Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Death benefit proceeds under the Policy ordinarily will be paid within seven days after we receive proof of the Insured’s death and all other documentation required at our Administrative Office. Payment may, however, be postponed in certain circumstances. (See “General Matters Relating to the Policy — Postponement of Payments.”) The death benefit will be reduced by any outstanding Indebtedness and any due and unpaid Monthly Deduction accruing during a grace period. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We will pay the proceeds in one sum, including either by check, by placing the amount in an account that earns interest, or by any other method of payment that provides the Beneficiary with immediate and full access to the proceeds. We will pay interest on the proceeds as required by the applicable state law. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Unless otherwise requested and subject to state law, the Policy’s death proceeds will generally be paid to the Beneficiary through a settlement option called the Total Control Account (if the death proceeds meet the required minimum). The Total Control Account is an interest-bearing account through which the Beneficiary has immediate and full access to the proceeds, with unlimited draft writing privileges. We credit interest to the account at a rate that will not be less than a guaranteed minimum annual effective rate. You may also elect to have any Policy surrender proceeds paid into a Total Control Account established for you. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assets backing the Total Control Account are maintained in our general account and are subject to the claims of our creditors. We will bear the investment experience of such assets; however, regardless of the investment experience of such assets, the interest credited to the Total Control Account will never fall below the applicable guaranteed minimum annual effective rate. Because we bear the investment experience of the assets backing the Total Control Account, we may receive a profit from these assets. The Total Control Account is not insured by the FDIC or any other governmental agency. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Every state has unclaimed property laws which generally declare life insurance policies to be abandoned after a period of inactivity of two to five years from the date any death benefit is due and payable. For example, if the payment of a death benefit has been triggered, and after a thorough search, we are still unable to locate the Beneficiary of the death benefit, the death benefit will be paid to the abandoned property division or unclaimed property office of the state in which the Beneficiary or the Owner last resided, as shown on our books and records. (“Escheatment” is the formal, legal name for this process.) However, the state is obligated to pay the death benefit (without interest) if your Beneficiary steps forward to claim it with the proper documentation and within certain mandated time periods. To prevent your Policy’s death benefit from being paid to the state’s abandoned or unclaimed property office, it is important that you update your Beneficiary designation, including complete names and complete contact information, if and as it changes. You should contact our Administrative Office in order to make a change to your Beneficiary designation. </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Standard Death Benefit Options</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Policy provides two death benefit options: a “Level Type” death benefit (“Option A”) and an “Increasing Type” death benefit (“Option B”). Under certain Group Contracts and Employer-sponsored insurance programs, however, Option B may be the only death benefit option presented. We calculate the amount available under each death benefit option as of the date of the Insured’s death. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under Option A, the death benefit is: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the current Face Amount of the Policy or; if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the applicable percentage of Cash Value on the date of death. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The applicable percentage is 250% for an Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Attained Age 40 or below on the Policy Anniversary before the date of the Insured’s death. For Insureds with an Attained Age over 40 on that Policy Anniversary, the percentage is lower and gradually declines with age until it reaches 100% at age 95.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under Option B, the death benefit is: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the current Face Amount plus the Cash Value of the Policy or; if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the applicable percentage of the Cash Value on the date of death. The applicable percentage is the same as under Option A.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Which Death Benefit Option to Choose.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Owners who prefer to have favorable investment performance reflected in higher death benefits for the same Face Amount generally should select Option B. Owners who prefer to have favorable investment performance reflected in lower cost of insurance charges for the same Face Amount generally should select Option A. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The amount of the death benefit may vary with the amount of the Cash Value. Under Option A, the death benefit will vary as the Cash Value varies whenever the Cash Value multiplied by the applicable percentage exceeds the Face Amount. Under Option B, the amount of the death benefit will always vary as the Cash Value varies (but will never be less than the Face Amount).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Changing Death Benefit Options</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">After the first Policy Anniversary, you may change the death benefit option. We reserve the right to limit the number of changes in death benefit options to one per Policy Year. A request for a change must be made to our Administrative Office in writing. The effective date of such a change will be the Monthly Anniversary on or following the date we receive the change request. If an increase in Face Amount precedes or occurs concurrently with a change in death benefit option, the cost of insurance charge may be different for the amount of the increase. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Changing the death benefit option may result in a change in Face Amount. If an Owner changes from Option A to Option B, the Face Amount after the change will equal the Face Amount before the change LESS the Cash Value on the effective date of the change. Any written request to change from Option A to Option B must be accompanied by satisfactory evidence of insurability. We will not accept a change from Option A to Option B if doing so would reduce the Face Amount to less than $25,000.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If an Owner changes from Option B to Option A, the Face Amount after the change will equal the Face Amount before the change PLUS the Cash Value on the effective date of change. We will not impose any charges in connection with a change in death benefit option. Changing the death benefit option also may have tax consequences and may affect the net amount at risk over time (which would affect the monthly cost of insurance charge). However, we will not permit any change that would result in your Policy being disqualified as a life insurance contract under Section 7702 of the Code. You should consult a tax adviser before changing death benefit options. </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Changing Face Amount</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You select the Face Amount when applying for the Policy. Subject to certain limitations set forth below, you may increase or decrease the Face Amount of a Policy (without changing the death benefit option) after the first Policy Anniversary. We reserve the right to limit the number of changes in the Face Amount to one per Policy Year. A change in Face Amount may affect the cost of insurance rate and the net amount at risk, both of which affect your cost of insurance charge. Changing the Face Amount also may have federal income tax consequences and you should consult a tax adviser before doing so. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Face Amount Increases.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may increase the Face Amount by submitting a written request and providing satisfactory evidence of insurability. If approved, the increase will become effective on the Monthly Anniversary on or following receipt at our Administrative Office of the satisfactory evidence of insurability. The Insured must have an Attained Age of 80 or less on the effective date of the increase. The amount of the increase may not be less than $5,000, and the Face Amount may not be increased to more than the maximum Face Amount for that Policy. The maximum Face Amount varies by Group Contract. However, in connection with a particular Group Contract, we may establish a substantially higher Face Amount for Policies issued under that Contract. Although an increase need not necessarily be accompanied by additional premium, the Cash Surrender Value in effect immediately after the increase must be sufficient to cover the next monthly deduction. An increase in the Face Amount may result in certain additional charges. For example, we determine the cost of insurance separately for the initial Face Amount and for any increases in Face Amount. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Face Amount Decreases.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may decrease the Face Amount by written request to us. Any decrease in the Face Amount will become effective on the Monthly Anniversary on or following our receipt of the written request. The amount of the requested decrease must be at least $5,000 and the Face Amount remaining in force after any requested decrease may not be less than the minimum Face Amount, generally $25,000. If, following a decrease in Face Amount, the Policy would not comply with the maximum premium limitations required by federal tax law, we will (at your election) either limit the decrease or return Cash Value to you to the extent necessary to meet those requirements. A decrease in the Face Amount generally will reduce the net amount at risk, which will reduce the cost of insurance charges. (See “Charges and Deductions — Cost of Insurance Charge.”)</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under Option A, the death benefit is: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the current Face Amount of the Policy or; if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the applicable percentage of Cash Value on the date of death. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The applicable percentage is 250% for an Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Attained Age 40 or below on the Policy Anniversary before the date of the Insured’s death. For Insureds with an Attained Age over 40 on that Policy Anniversary, the percentage is lower and gradually declines with age until it reaches 100% at age 95.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under Option B, the death benefit is: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the current Face Amount plus the Cash Value of the Policy or; if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the applicable percentage of the Cash Value on the date of death. The applicable percentage is the same as under Option A.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Which Death Benefit Option to Choose.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Owners who prefer to have favorable investment performance reflected in higher death benefits for the same Face Amount generally should select Option B. Owners who prefer to have favorable investment performance reflected in lower cost of insurance charges for the same Face Amount generally should select Option A. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The amount of the death benefit may vary with the amount of the Cash Value. Under Option A, the death benefit will vary as the Cash Value varies whenever the Cash Value multiplied by the applicable percentage exceeds the Face Amount. Under Option B, the amount of the death benefit will always vary as the Cash Value varies (but will never be less than the Face Amount).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">After the first Policy Anniversary, you may change the death benefit option. We reserve the right to limit the number of changes in death benefit options to one per Policy Year. A request for a change must be made to our Administrative Office in writing. The effective date of such a change will be the Monthly Anniversary on or following the date we receive the change request. If an increase in Face Amount precedes or occurs concurrently with a change in death benefit option, the cost of insurance charge may be different for the amount of the increase. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Changing the death benefit option may result in a change in Face Amount. If an Owner changes from Option A to Option B, the Face Amount after the change will equal the Face Amount before the change LESS the Cash Value on the effective date of the change. Any written request to change from Option A to Option B must be accompanied by satisfactory evidence of insurability. We will not accept a change from Option A to Option B if doing so would reduce the Face Amount to less than $25,000.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If an Owner changes from Option B to Option A, the Face Amount after the change will equal the Face Amount before the change PLUS the Cash Value on the effective date of change. We will not impose any charges in connection with a change in death benefit option. Changing the death benefit option also may have tax consequences and may affect the net amount at risk over time (which would affect the monthly cost of insurance charge). However, we will not permit any change that would result in your Policy being disqualified as a life insurance contract under Section 7702 of the Code. You should consult a tax adviser before changing death benefit options. </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Changing Face Amount</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You select the Face Amount when applying for the Policy. Subject to certain limitations set forth below, you may increase or decrease the Face Amount of a Policy (without changing the death benefit option) after the first Policy Anniversary. We reserve the right to limit the number of changes in the Face Amount to one per Policy Year. A change in Face Amount may affect the cost of insurance rate and the net amount at risk, both of which affect your cost of insurance charge. Changing the Face Amount also may have federal income tax consequences and you should consult a tax adviser before doing so. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Face Amount Increases.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may increase the Face Amount by submitting a written request and providing satisfactory evidence of insurability. If approved, the increase will become effective on the Monthly Anniversary on or following receipt at our Administrative Office of the satisfactory evidence of insurability. The Insured must have an Attained Age of 80 or less on the effective date of the increase. The amount of the increase may not be less than $5,000, and the Face Amount may not be increased to more than the maximum Face Amount for that Policy. The maximum Face Amount varies by Group Contract. However, in connection with a particular Group Contract, we may establish a substantially higher Face Amount for Policies issued under that Contract. Although an increase need not necessarily be accompanied by additional premium, the Cash Surrender Value in effect immediately after the increase must be sufficient to cover the next monthly deduction. An increase in the Face Amount may result in certain additional charges. For example, we determine the cost of insurance separately for the initial Face Amount and for any increases in Face Amount. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Face Amount Decreases.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may decrease the Face Amount by written request to us. Any decrease in the Face Amount will become effective on the Monthly Anniversary on or following our receipt of the written request. The amount of the requested decrease must be at least $5,000 and the Face Amount remaining in force after any requested decrease may not be less than the minimum Face Amount, generally $25,000. If, following a decrease in Face Amount, the Policy would not comply with the maximum premium limitations required by federal tax law, we will (at your election) either limit the decrease or return Cash Value to you to the extent necessary to meet those requirements. A decrease in the Face Amount generally will reduce the net amount at risk, which will reduce the cost of insurance charges. (See “Charges and Deductions — Cost of Insurance Charge.”)</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">ADDITIONAL BENEFITS AND RIDERS </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">In addition to the standard death benefit associated with your Policy, other standard and/or optional benefits may also be available to you. The following table summarizes information about those benefits. Information about the fees associated with each benefit included in the table may be found in the Fee Table. We currently offer the following riders under the Policy, subject to state availability:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:157.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Monthly </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Deductions Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">waiver of monthly deductions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Insured is totally </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">disabled, including cost of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance and monthly Policy </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">expense charges, upon proof </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of disability.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Insured must have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">become disabled before age </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">65.</span></div></div></td></tr> <tr style="height:161.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accelerated Death Benefit </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Settlement Option Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Under this rider, you may </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">receive an accelerated </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of a portion of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit if the Insured is </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">terminally ill.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Payment under this rider may </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affect eligibility for benefits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under state or federal law.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:77.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Will Preparation Service </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a will </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service available </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to you (subject to state </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The will </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service is made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Resolution Services </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services in the event </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you or your Spouse dies </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(subject to state variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The will </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service is made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Digital Estate Planning </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a Digital </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available to you (subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">state variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The Digital </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bereavement Services Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services are </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available by a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">third-party provider.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Grief Counseling Services </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">grief counseling services to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The grief </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">counseling services are made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available by a third-party </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">provider.</span></div></div></td></tr> <tr style="height:71pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Funeral Services Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">funeral services to you, your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse and children. </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The funeral </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">services are made available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">by a third-party provider.</span></div></div></td></tr> <tr style="height:89.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dollar Cost Averaging </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer from the Fidelity VIP </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Money Market </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Division to other Divisions a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">predetermined amount of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money over a specified period </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of time. </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:60pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Automatic Portfolio </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rebalancing</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reallocate your Cash Value </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the elected Divisions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to return the allocation to the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentages you specify.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Additional Insurance Benefits </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Waiver of Monthly Deductions Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the waiver of the monthly deductions while the Insured is totally disabled, as defined in the Rider. The Insured must provide proof that they are unable to perform any other job for which the Insured is fit by education, training or experience. The Insured must have become disabled before age 65.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you are eligible for benefits under this rider, and have current premiums of $150 per month including a $50 optional investment premium, we will waive $100 per month so your life insurance coverage remains in force.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Accelerated Death Benefit Settlement Option Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the accelerated payment of a portion of death benefit proceeds in a single sum to you if the Insured is terminally ill and expected to die within less than 12 months (subject to state variations). Any irrevocable Beneficiary and assignees of record must provide written authorization in order for the Owner to receive the accelerated benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The amount of the death benefit payable under the rider will equal up to 85% of the Face Amount under the Policy on the date we receive satisfactory evidence of terminal illness as described above, less any Indebtedness. We do not currently impose a charge for this rider. However, we reserve the right to deduct an administrative charge of $100 from the accelerated death benefit at the time it is paid.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The federal income tax consequences associated with adding or receiving benefits under the Accelerated Death Benefit Settlement Option Rider are unclear. You should consult a qualified tax adviser about the consequences of adding this rider to a Policy or requesting an accelerated death benefit payment under this rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you are eligible for benefits under the Accelerated Death Benefit Settlement Option Rider and have a Face Amount of $100,000 with no Cash Value, you may elect to receive up to $85,000 of the death benefit proceeds (less any loans and loan interest) prior to your death.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Will Preparation Service Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides you with a will preparation service (“Service”) while this rider and the Policy are in force. This Service is made available to you, at no cost, through a MetLife affiliate (“Affiliate”). This Service provides for a will to be prepared by attorneys designated by the Affiliate for you and your Spouse. If you have a will prepared by an attorney not designated by the Affiliate, you must pay the attorney’s service directly. Upon proof of such payment, you will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount you paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you decide that you would like to have a codicil to your will prepared, this Service enables you to work one-on-one with an attorney, in-person, on the phone, or online to prepare the codicil to your will free of charge, subject to state variations.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Estate Resolution Services Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> If you or your Spouse die while this rider and the Policy are in force, a probate benefit (the “Benefit”) will be made available to the estate of the deceased. The Benefit is available through an Affiliate. The Benefit provides for certain probate services to be made available, free of charge, by attorneys designated by the Affiliate. If probate services are provided by an attorney not designated by the Affiliate, the estate of the deceased must pay for those attorney’s services directly. Upon proof of such payment, the estate of the deceased will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount such estate paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, the executor of your estate may use the Benefit to receive unlimited consultations, either face-to-fact with an attorney or by phone to assist in settling your estate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Digital Estate Planning.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> A Digital Estate Planning Platform is included with Group Variable Universal Life (GVUL) Insurance at no additional cost. MetLife has arranged for this platform to be provided by a MetLife affiliate (the "Affiliate"). This platform will be made available to Employees and their Spouses through legalplans.com/estateplanning and includes facilitation of the selection, completion and execution of common estate planning documents.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Beneficiary and Bereavement Services.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Beneficiary and Bereavement Services are included with Group Variable Universal Life (GVUL) Insurance for no additional premium. MetLife may arrange for some portion of these services to be provided to Owners and Beneficiaries by a third-party provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Grief Counseling Services Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Employees who become insured under the Group Contract are eligible to receive non-insured grief counseling services at no additional premium. MetLife has arranged for these services to be provided to Employees through a third-party service provider. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third-party service provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Funeral Services Discount Disclosure.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Employees who become insured under the Group Contract are eligible to receive discounts of up to 10% off the service provider’s standard price for certain funeral services including funeral, cremation and cemetery products and services provided by a third-party national network of funeral and funeral planning providers while such insurance remains in effect. Employees who become insured will also have access to funeral planning resources including funeral planning tools and concierge services provided by the same national network of providers. MetLife has arranged for these services and discounts to be provided to Employees and their Spouses and children and the parents, grandparents and great-grandparents of the Employees and their Spouses for no additional premium. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third-party service provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The discounts and planning services are not available in all jurisdictions and are subject to regulatory approval.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Automatic Investment Strategies</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Dollar Cost Averaging.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This investment strategy allows you to automatically transfer a predetermined amount of money from the Fidelity VIP Government Money Market Division to a number of available Divisions of the Separate Account. Based on the elected investment allocations for this investment strategy, Dollar Cost Averaging occurs after the close of business on each Monthly Anniversary or after close of business on the next business day </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">following each Monthly Anniversary should your Monthly Anniversary fall on a non-business day (weekend or holiday) as long as all other requirements are met. The portion of the Policy’s Cash Value in the Fidelity VIP Government Money Market Division must be greater than or equal to $1,000. The minimum total monthly transfer amount must be greater than or equal to $100.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Dollar Cost Averaging does not assure a profit or protect against a loss in declining markets. It involves continuous investment in securities regardless of price fluctuations. An investor should consider his/her ability to continue purchases in periods of low price levels.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you elected the Dollar Cost Averaging and selected $12,000 of Cash Value to be transferred from the Fidelity VIP Government Money Market Division to specified other Divisions that you choose, over a 12 month period we will transfer $1,000 each month for 12 months.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Automatic Portfolio Rebalancing.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This investment strategy allows you to automatically reallocate your Cash Value among the elected Divisions to return the allocation to the percentages you specify. This rebalancing occurs annually after the close of business on your Policy anniversary or after the close of business on the next business day following your Policy anniversary should your Policy anniversary fall on a non-business day (holiday or weekend).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Annual Automatic Portfolio Rebalancing does not assure a profit or protect against a loss in declining markets.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you allocated 25% to each of four Divisions, after the close of business on your Policy anniversary, or after the close of business on the next business day following your Policy anniversary should your Policy anniversary fall on a non-business day (holiday or weekend), we will transfer amounts among those four Divisions so that there is 25% of your Policy’s Cash Value in each Division.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The automated transfers under these investment strategies will not count towards frequent transfer constraints or transfer limitations. However, we reserve the right to include them if we decide to restrict transfers under the terms of the Policy</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You may elect either the Dollar Cost Averaging strategy or the Annual Automatic Portfolio Rebalancing strategy. There is no fee for participating in either strategy. You cannot participate in both strategies at the same time; however, either strategy may be discontinued at any time.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:157.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Monthly </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Deductions Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">waiver of monthly deductions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Insured is totally </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">disabled, including cost of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance and monthly Policy </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">expense charges, upon proof </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of disability.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Insured must have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">become disabled before age </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">65.</span></div></div></td></tr> <tr style="height:161.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accelerated Death Benefit </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Settlement Option Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Under this rider, you may </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">receive an accelerated </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of a portion of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit if the Insured is </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">terminally ill.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Payment under this rider may </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affect eligibility for benefits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under state or federal law.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:77.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Will Preparation Service </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a will </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service available </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to you (subject to state </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The will </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service is made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Resolution Services </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services in the event </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you or your Spouse dies </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(subject to state variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The will </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service is made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Digital Estate Planning </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a Digital </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available to you (subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">state variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The Digital </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bereavement Services Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services are </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available by a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">third-party provider.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Grief Counseling Services </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">grief counseling services to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The grief </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">counseling services are made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available by a third-party </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">provider.</span></div></div></td></tr> <tr style="height:71pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Funeral Services Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">funeral services to you, your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse and children. </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The funeral </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">services are made available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">by a third-party provider.</span></div></div></td></tr> <tr style="height:89.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dollar Cost Averaging </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer from the Fidelity VIP </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Money Market </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Division to other Divisions a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">predetermined amount of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money over a specified period </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of time. </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:60pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Automatic Portfolio </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rebalancing</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reallocate your Cash Value </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the elected Divisions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to return the allocation to the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentages you specify.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Monthly </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Deductions Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">waiver of monthly deductions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Insured is totally </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">disabled, including cost of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance and monthly Policy </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">expense charges, upon proof </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of disability.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Insured must have </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">become disabled before age </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">65.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accelerated Death Benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Settlement Option Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Under this rider, you may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">receive an accelerated </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of a portion of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit if the Insured is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">terminally ill.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Payment under this rider may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affect eligibility for benefits </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under state or federal law.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Will Preparation Service </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a will </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service available </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to you (subject to state </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The will </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service is made </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Resolution Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services in the event </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you or your Spouse dies </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(subject to state variations).</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The will </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service is made </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Digital Estate Planning </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a Digital </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available to you (subject to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">state variations).</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The Digital </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bereavement Services Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available by a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">third-party provider.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Grief Counseling Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">grief counseling services to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The grief </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">counseling services are made </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available by a third-party </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">provider.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Funeral Services Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">funeral services to you, your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse and children. </span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The funeral </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">services are made available </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">by a third-party provider.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dollar Cost Averaging </span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer from the Fidelity VIP </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Money Market </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Division to other Divisions a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">predetermined amount of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money over a specified period </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of time. </span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Automatic Portfolio </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rebalancing</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reallocate your Cash Value </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the elected Divisions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to return the allocation to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentages you specify.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Waiver of Monthly Deductions Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the waiver of the monthly deductions while the Insured is totally disabled, as defined in the Rider. The Insured must provide proof that they are unable to perform any other job for which the Insured is fit by education, training or experience. The Insured must have become disabled before age 65.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you are eligible for benefits under this rider, and have current premiums of $150 per month including a $50 optional investment premium, we will waive $100 per month so your life insurance coverage remains in force.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Accelerated Death Benefit Settlement Option Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the accelerated payment of a portion of death benefit proceeds in a single sum to you if the Insured is terminally ill and expected to die within less than 12 months (subject to state variations). Any irrevocable Beneficiary and assignees of record must provide written authorization in order for the Owner to receive the accelerated benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The amount of the death benefit payable under the rider will equal up to 85% of the Face Amount under the Policy on the date we receive satisfactory evidence of terminal illness as described above, less any Indebtedness. We do not currently impose a charge for this rider. However, we reserve the right to deduct an administrative charge of $100 from the accelerated death benefit at the time it is paid.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The federal income tax consequences associated with adding or receiving benefits under the Accelerated Death Benefit Settlement Option Rider are unclear. You should consult a qualified tax adviser about the consequences of adding this rider to a Policy or requesting an accelerated death benefit payment under this rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you are eligible for benefits under the Accelerated Death Benefit Settlement Option Rider and have a Face Amount of $100,000 with no Cash Value, you may elect to receive up to $85,000 of the death benefit proceeds (less any loans and loan interest) prior to your death.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Will Preparation Service Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides you with a will preparation service (“Service”) while this rider and the Policy are in force. This Service is made available to you, at no cost, through a MetLife affiliate (“Affiliate”). This Service provides for a will to be prepared by attorneys designated by the Affiliate for you and your Spouse. If you have a will prepared by an attorney not designated by the Affiliate, you must pay the attorney’s service directly. Upon proof of such payment, you will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount you paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you decide that you would like to have a codicil to your will prepared, this Service enables you to work one-on-one with an attorney, in-person, on the phone, or online to prepare the codicil to your will free of charge, subject to state variations.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Estate Resolution Services Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> If you or your Spouse die while this rider and the Policy are in force, a probate benefit (the “Benefit”) will be made available to the estate of the deceased. The Benefit is available through an Affiliate. The Benefit provides for certain probate services to be made available, free of charge, by attorneys designated by the Affiliate. If probate services are provided by an attorney not designated by the Affiliate, the estate of the deceased must pay for those attorney’s services directly. Upon proof of such payment, the estate of the deceased will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount such estate paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, the executor of your estate may use the Benefit to receive unlimited consultations, either face-to-fact with an attorney or by phone to assist in settling your estate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Digital Estate Planning.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> A Digital Estate Planning Platform is included with Group Variable Universal Life (GVUL) Insurance at no additional cost. MetLife has arranged for this platform to be provided by a MetLife affiliate (the "Affiliate"). This platform will be made available to Employees and their Spouses through legalplans.com/estateplanning and includes facilitation of the selection, completion and execution of common estate planning documents.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Beneficiary and Bereavement Services.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Beneficiary and Bereavement Services are included with Group Variable Universal Life (GVUL) Insurance for no additional premium. MetLife may arrange for some portion of these services to be provided to Owners and Beneficiaries by a third-party provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Grief Counseling Services Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Employees who become insured under the Group Contract are eligible to receive non-insured grief counseling services at no additional premium. MetLife has arranged for these services to be provided to Employees through a third-party service provider. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third-party service provider.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Funeral Services Discount Disclosure.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Employees who become insured under the Group Contract are eligible to receive discounts of up to 10% off the service provider’s standard price for certain funeral services including funeral, cremation and cemetery products and services provided by a third-party national network of funeral and funeral planning providers while such insurance remains in effect. Employees who become insured will also have access to funeral planning resources including funeral planning tools and concierge services provided by the same national network of providers. MetLife has arranged for these services and discounts to be provided to Employees and their Spouses and children and the parents, grandparents and great-grandparents of the Employees and their Spouses for no additional premium. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third-party service provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Dollar Cost Averaging.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This investment strategy allows you to automatically transfer a predetermined amount of money from the Fidelity VIP Government Money Market Division to a number of available Divisions of the Separate Account. Based on the elected investment allocations for this investment strategy, Dollar Cost Averaging occurs after the close of business on each Monthly Anniversary or after close of business on the next business day </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">following each Monthly Anniversary should your Monthly Anniversary fall on a non-business day (weekend or holiday) as long as all other requirements are met. The portion of the Policy’s Cash Value in the Fidelity VIP Government Money Market Division must be greater than or equal to $1,000. The minimum total monthly transfer amount must be greater than or equal to $100.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Dollar Cost Averaging does not assure a profit or protect against a loss in declining markets. It involves continuous investment in securities regardless of price fluctuations. An investor should consider his/her ability to continue purchases in periods of low price levels.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you elected the Dollar Cost Averaging and selected $12,000 of Cash Value to be transferred from the Fidelity VIP Government Money Market Division to specified other Divisions that you choose, over a 12 month period we will transfer $1,000 each month for 12 months.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Automatic Portfolio Rebalancing.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This investment strategy allows you to automatically reallocate your Cash Value among the elected Divisions to return the allocation to the percentages you specify. This rebalancing occurs annually after the close of business on your Policy anniversary or after the close of business on the next business day following your Policy anniversary should your Policy anniversary fall on a non-business day (holiday or weekend).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Annual Automatic Portfolio Rebalancing does not assure a profit or protect against a loss in declining markets.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you allocated 25% to each of four Divisions, after the close of business on your Policy anniversary, or after the close of business on the next business day following your Policy anniversary should your Policy anniversary fall on a non-business day (holiday or weekend), we will transfer amounts among those four Divisions so that there is 25% of your Policy’s Cash Value in each Division.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The automated transfers under these investment strategies will not count towards frequent transfer constraints or transfer limitations. However, we reserve the right to include them if we decide to restrict transfers under the terms of the Policy</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You may elect either the Dollar Cost Averaging strategy or the Annual Automatic Portfolio Rebalancing strategy. There is no fee for participating in either strategy. You cannot participate in both strategies at the same time; however, either strategy may be discontinued at any time.</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">APPENDIX A: PORTFOLIOS AVAILABLE UNDER THE POLICY</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following is a list of the Portfolios currently available under the Policy. The Putnam VT International Equity Fund, T. Rowe Price Equity Income Portfolio, T. Rowe Price Mid-Cap Growth Portfolio and T. Rowe Price Moderate Allocation Portfolio are not available to Owners under the KPMG LLP Group Contract. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at dfinview.com/metlife/PUFT/MET000233. You can also request this information at no cost by calling (800) 756-0124 or by sending an email request to GVUL-eservice@metlifecommercial.com.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The current expenses and performance information below reflects fees and expenses of the Portfolios, but does not reflect the other fees and expenses that the Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio's past performance is not necessarily an indication of future performance.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">*</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The portfolios are not available to Owners under the KPMG LLP Group Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The fee and expense information regarding the Portfolios was provided by those Portfolios.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following is a list of the Portfolios currently available under the Policy. The Putnam VT International Equity Fund, T. Rowe Price Equity Income Portfolio, T. Rowe Price Mid-Cap Growth Portfolio and T. Rowe Price Moderate Allocation Portfolio are not available to Owners under the KPMG LLP Group Contract. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at dfinview.com/metlife/PUFT/MET000233. You can also request this information at no cost by calling (800) 756-0124 or by sending an email request to GVUL-eservice@metlifecommercial.com.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The current expenses and performance information below reflects fees and expenses of the Portfolios, but does not reflect the other fees and expenses that the Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio's past performance is not necessarily an indication of future performance.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Asset Manager 50% Portfolio* - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.67%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.13%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Asset Manager 70% Portfolio* - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">18.29%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.64%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.87%</span></div></div></td></tr> <tr style="height:36.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity Income Portfolio</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> -</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Associates, Inc. (T. Rowe Price or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Price Associates)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.74%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.36%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.51%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity-Income Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.46%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.02%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.60%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Money Market Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">4.13%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.03%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.92%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17.45%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">High Income Portfolio* - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.36%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">4.22%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.59%</span></div></div></td></tr> <tr style="height:36.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index 500 Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Geode Capital Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.09%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17.78%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.31%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.70%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.22%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.02%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.71%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index Portfolio - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.66%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.55%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Global Equity Series* - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Massachusetts Financial Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.72%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.91%</span></div></div></td></tr> <tr style="height:24.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Growth Series* - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Massachusetts Financial Services Company</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.73%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.19%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.10%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.60%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid-Cap Growth Portfolio*</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> -</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Associates, Inc. (T. Rowe Price or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Price Associates)</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc. (Price Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.84%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.84%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.81%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Moderate Allocation Portfolio*</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> -</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Associates, Inc. (T. Rowe Price or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Price Associates)</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Hong Kong Limited &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Investment Management, Inc., T. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Rowe Price International Ltd</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.84%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT International Equity Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class IA</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Putnam Investment Management, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin Advisers, Inc.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Franklin Templeton Investment Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Limited</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">The Putnam Advisory Company, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">38.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.40%</span></div></div></td></tr> <tr style="height:24.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Sector</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Real Estate Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.60%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.10%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">4.23%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.87%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Asset Manager 50% Portfolio* - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0051 0.1498 0.0567 0.0713 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Asset Manager 70% Portfolio* - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0062 0.1829 0.0764 0.0887 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity Income Portfolio</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> -</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Associates, Inc. (T. Rowe Price or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Price Associates)</span> 0.0074 0.1436 0.1117 0.1051 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity-Income Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0046 0.1902 0.1251 0.1160 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Money Market Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0025 0.0413 0.0310 0.0203 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0055 0.1492 0.1370 0.1745 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">High Income Portfolio* - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0081 0.1036 0.0422 0.0559 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index 500 Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Geode Capital Management, LLC</span> 0.0009 0.1778 0.1431 0.1470 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0037 0.0722 0.0002 0.0271 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index Portfolio - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0030 0.1266 0.0599 0.0955 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Global Equity Series* - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Massachusetts Financial Services Company</span> 0.0093 0.1359 0.0572 0.0891 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Growth Series* - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Massachusetts Financial Services Company</span> 0.0073 0.1219 0.1110 0.1560 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid-Cap Growth Portfolio*</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> -</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Associates, Inc. (T. Rowe Price or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Price Associates)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management, Inc. (Price Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Management)</span> 0.0084 0.0355 0.0384 0.0981 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Moderate Allocation Portfolio*</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> -</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Associates, Inc. (T. Rowe Price or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Price Associates)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Hong Kong Limited &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Investment Management, Inc., T. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Rowe Price International Ltd</span> 0.0085 0.1450 0.0550 0.0784 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT International Equity Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - Class IA</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Putnam Investment Management, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin Advisers, Inc.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Franklin Templeton Investment Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Limited</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">The Putnam Advisory Company, LLC</span> 0.0081 0.3800 0.0955 0.0840 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Sector</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Real Estate Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0060 0.0310 0.0423 0.0387 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.</span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td colspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">FEES AND EXPENSES</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOCATION IN</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PROSPECTUS</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Charges for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:59pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Transaction Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may be subject to transaction charges if you surrender your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate or make a partial withdrawal. You also may be charged </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">for other transactions, such as when you make a premium payment, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer Cash Value between investment options, or exercise your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Accelerated Benefits Rider.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:136pt;"> <td rowspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Ongoing Fees and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(annual charges)</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">In addition to charges described above, an investment in the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate is subject to certain ongoing fees and expenses, including </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a mortality and expense risk charge and a monthly deduction </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">covering the cost of insurance under the Certificate, a monthly </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">administrative charge and charges for optional benefits added by </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rider. Such fees and expenses are set based on characteristics of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insured (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, the age and rate class of the covered person) as well as </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Group Contract characteristics. Please refer to the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specifications page of your Certificate for applicable rates.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You will also bear expenses associated with the Portfolios available </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under your Certificate, as shown in the following table:</span></div></div></td> <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Monthly </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deduction</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Mortality </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">and Expense Risk </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charge</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;">  </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Portfolio </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and Expenses</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ANNUAL FEE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">MIN</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">MAX</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment options (Portfolio fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and expenses)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.27</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.72</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Charges for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:59pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Transaction Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may be subject to transaction charges if you surrender your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate or make a partial withdrawal. You also may be charged </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">for other transactions, such as when you make a premium payment, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer Cash Value between investment options, or exercise your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Accelerated Benefits Rider.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:136pt;"> <td rowspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Ongoing Fees and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(annual charges)</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">In addition to charges described above, an investment in the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate is subject to certain ongoing fees and expenses, including </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a mortality and expense risk charge and a monthly deduction </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">covering the cost of insurance under the Certificate, a monthly </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">administrative charge and charges for optional benefits added by </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rider. Such fees and expenses are set based on characteristics of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insured (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, the age and rate class of the covered person) as well as </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Group Contract characteristics. Please refer to the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specifications page of your Certificate for applicable rates.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You will also bear expenses associated with the Portfolios available </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under your Certificate, as shown in the following table:</span></div></div></td> <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Monthly </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deduction</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Mortality </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">and Expense Risk </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charge</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;">  </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Portfolio </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and Expenses</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ANNUAL FEE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">MIN</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">MAX</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment options (Portfolio fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and expenses)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.27</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.72</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> 0.0027 0.0072 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td colspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Bottom;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">RISKS</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOCATION IN</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PROSPECTUS</span></div></div></td></tr> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Risk of Loss</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in the Certificate, including loss of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">principal.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr> <tr style="height:70pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Not a Short-Term </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Certificates are designed to provide insurance protection. They </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should not be used as a short-term investment or if you need ready </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">access to cash, because you will be charged when you make </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premium payments and you will also pay a transaction fee on partial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals. In addition, withdrawals may be subject to ordinary </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income tax and tax penalties.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr> <tr style="height:70pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Risks Associated with </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment Options</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in this Certificate is subject to the risk of poor </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment performance and can vary depending on the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance of the Portfolios available under the Certificate. Each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment option (including any Fixed Account investment option) </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">has its own unique risks. You should review the investment options </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">before making an investment decision.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr> <tr style="height:111.5pt;"> <td style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Insurance Company </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Risks </span></div></div></td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investments in the Certificate are subject to the risks related to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Metropolitan Life, including any obligations (including under any </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Account investment option), guarantees, and benefits of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate, including any death benefit, that are subject to the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">claims paying ability of Metropolitan Life. If Metropolitan Life </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">experiences financial distress, it may not be able to meet its </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">obligations to you. More information about Metropolitan Life, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">including its financial strength ratings, is available upon request by </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">calling (800) 756-0124 or visiting: https://www.metlife.com/about-us/</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">corporate-profile/ratings.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:92pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Contract Lapse</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Your Certificate may lapse if you have paid an insufficient amount of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premiums or if the investment experience of the Portfolios is poor </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and the Cash Surrender Value under your Certificate is insufficient </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to cover the monthly deduction. Lapse of a Certificate on which </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">there is an outstanding loan may have adverse tax consequences. If </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Certificate lapses, no death benefit will be paid. A Certificate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">may be reinstated if the conditions for reinstatement are met </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">including the payment of required premiums.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in the Certificate, including loss of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">principal.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Certificates are designed to provide insurance protection. They </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should not be used as a short-term investment or if you need ready </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">access to cash, because you will be charged when you make </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premium payments and you will also pay a transaction fee on partial </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals. In addition, withdrawals may be subject to ordinary </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income tax and tax penalties.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in this Certificate is subject to the risk of poor </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment performance and can vary depending on the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance of the Portfolios available under the Certificate. Each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment option (including any Fixed Account investment option) </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">has its own unique risks. You should review the investment options </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">before making an investment decision.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investments in the Certificate are subject to the risks related to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Metropolitan Life, including any obligations (including under any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Account investment option), guarantees, and benefits of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate, including any death benefit, that are subject to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">claims paying ability of Metropolitan Life. If Metropolitan Life </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">experiences financial distress, it may not be able to meet its </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">obligations to you. More information about Metropolitan Life, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">including its financial strength ratings, is available upon request by </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">calling (800) 756-0124 or visiting: https://www.metlife.com/about-us/</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">corporate-profile/ratings.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Your Certificate may lapse if you have paid an insufficient amount of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premiums or if the investment experience of the Portfolios is poor </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and the Cash Surrender Value under your Certificate is insufficient </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to cover the monthly deduction. Lapse of a Certificate on which </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">there is an outstanding loan may have adverse tax consequences. If </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Certificate lapses, no death benefit will be paid. A Certificate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">may be reinstated if the conditions for reinstatement are met </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">including the payment of required premiums.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Owners may transfer Cash Value between and among the Divisions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and the Fixed Account. At the present time, no charge is assessed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">against the Cash Value of a Certificate when amounts are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transferred among the Divisions of the Separate Account and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">between the Divisions and the Fixed Account, but we reserve the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">right to impose a charge of $25 to cover administrative costs </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">incurred in processing any transfer in excess of 12 in a Certificate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Year. The maximum amount that can be withdrawn in any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate Year (through partial withdrawals or transfers) from the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Account is 25% of the largest amount in the Fixed Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">over the last four Certificate Years (or since the Effective Date of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate if the Certificate has been in effect for less than four </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate Years). We are currently not enforcing this restriction for </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">partial withdrawals. Restrictions may apply to frequent transfers.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Metropolitan Life reserves the right to remove or substitute </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolios as investment options that are available under the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Benefit availability is subject to your Employer making the benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available. Depending upon your Employer’s requirements, certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate benefits may only be able to be added to in force </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificates during the Employer’s annual enrollment. With respect </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to the dependent life benefit coverage (Spouse coverage or child </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">coverage), depending upon your Employer’s elected benefit, you may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">also need to be on active status. You should check with your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer regarding the availability of benefits and whether you </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">need to be on active status to elect the dependent life benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">coverage (Spouse coverage or child coverage).</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Consult with a tax professional to determine the tax implications of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">an investment in and payments received under this Certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawals may be subject to ordinary income tax, and may be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to tax penalties.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lapse of a Certificate on which there is an outstanding loan may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">have adverse tax consequences.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Your investment professional may receive compensation relating to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your ownership of a Certificate. These investment professionals may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">have a financial incentive to offer or recommend the Certificate over </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">another investment.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Some investment professionals may have a financial incentive to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">offer you a new policy in place of your current Certificate. You should </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">only exchange your Certificate if you determine, after comparing the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">features, fees, and risks of both policies, that it is better for you to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchase the new policy rather than continue to own your existing </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate.</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">FEE TABLES</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Certificate. We may charge fees and use rates that are lower than the maximum guaranteed charges reflected in the tables. The Employer chooses which charges, Group A, Group B or Group C, will apply to the Certificates issued to the Employees of the Employer. Please refer to your Certificate specification page for information about the specific fees you will pay each year based on the options you have elected.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The first table describes the fees and expenses that you will pay at the time that you buy the Certificate, surrender or make withdrawals from the Certificate, or transfer Cash Value between investment options.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Transaction Fees </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Amount Deducted</span></div></div></td></tr> <tr style="height:13pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium Payment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group B</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group C</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> explicit </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Partial Withdrawal Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon each partial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">withdrawal from the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certificate</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon transfer in </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">excess of 12 in a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certificate Year</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per transfer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:36.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated Benefits Rider </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">At the time an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">accelerated death </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">benefit is paid</span></div></div></td> <td colspan="3" style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">150</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Certificates issued under a Group C charge structure, the premium tax charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Certificates.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The partial withdrawal charge is equal to the lesser of $25 or 2% of the amount of the withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not currently impose this charge.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The next table describes the fees and expenses that you will pay periodically during the time that you own the Certificate not including Portfolio fees and expenses.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Periodic Charges Other Than Annual Portfolio Expenses </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Charges:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.26</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">112.63</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:28pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:9.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.81 per $1,000 net amount at risk</span></div></div></td></tr> <tr style="height:13pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group B</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group C</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.50</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> explicit </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> explicit </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mortality and Expense Risk Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Daily</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.90</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">% (annually) of the net assets of each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Division of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Separate Account</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Interest Spread</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;"> (6)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annually</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"><span style="-sec-ix-hidden:x_4804f763-dc30-420b-af6c-b3f34c95b6d4">2.0</span></span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Charges:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly Deductions Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7), (8)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.31</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:28pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:9.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.00 per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dependent Life Benefit Rider – Child</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.41</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of coverage</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse's Life Insurance Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7),(9)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.26</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">112.63</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:28pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Insured </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:9.0pt;position:relative;top:-4.25pt;">(10)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.81 per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Accidental Death and Dismemberment </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insurance Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.26</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">112.63</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:27.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:9.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.81 per $1,000 of net amount at risk</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cost of insurance charges vary based on the Insured’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Attained Age and rate class. The cost of insurance charge will also vary depending on which charge structure the Employer has chosen for the Certificates. The cost of insurance charge is greater for participants in a Plan that uses a Group B or Group C charge structure than those in a Plan that uses a Group A charge structure. The cost of insurance charges shown in the table may not be typical of the charges you will pay. Your Certificate will indicate the charge structure applicable to your Certificate. More detailed information concerning your cost of insurance charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A representative Insured is a person with an attained age of 43, actively at work.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum administrative charge we can apply to any Certificate can vary but will not exceed the amounts in the table. Please refer to the specifications pages of your Certificate for the administrative charge that applies to your Certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Certificates issued under a Group B or Group C charge structure, the administrative charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Certificates.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Mortality and Expense Risk Charge is currently 0.75% (annually) of the net assets of each Division of the Separate Account.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">While the amount we charge you is guaranteed not to exceed 8% annually and the amount we credit is guaranteed not to be lower than the guaranteed minimum annual rate in effect on the issue date of your Group Policy, which in no event will be lower than 1%. We also guarantee that the Loan Interest Spread will not be greater than 2%.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(7)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges for this rider vary based on the Insured’s individual characteristics. The rider charges shown in the table may not be representative of the charge that you will pay. Your Certificate will indicate the charges applicable to your Certificate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">More detailed information concerning your charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(8)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum charge for this rider does not increase the maximum charge outlined under the maximum charge of the Cost of Insurance Charge. Similarly, the charge for a representative insured is also $0.00 per $1,000 of the net amount at risk because the charge is included in the current Cost of Insurance Charge.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(9)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Spouse’s life insurance benefit can be provided by rider or by a separate Certificate, depending upon what is available under your Group. The charges shown reflect the charges that apply to a Spouse Certificate. For a Spouse rider, the minimum and maximum charge is $0.30 to $83.33 per $1,000 of coverage and the charge for a representative insured is $0.76 per $1,000 of coverage.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(10)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Spouse's Life Insurance Benefit, a representative Insured is an Employee’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Spouse that has an attained age of 43.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The next table shows the minimum and maximum total operating expenses charged by the Portfolios that you may pay periodically during the time that you own the Certificate. A complete list of the Portfolios available under the Certificate, including their annual expenses, may be found in Appendix A at the back of this document.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Annual Portfolio Expenses </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:362.45pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:61.41pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:62.14pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:362.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio Expenses </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(as a percentage of average net assets)</span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio assets, including management fees, </span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:61.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.27</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:62.14pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.72</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Transaction Fees </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Amount Deducted</span></div></div></td></tr> <tr style="height:13pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium Payment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group B</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group C</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> explicit </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Partial Withdrawal Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon each partial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">withdrawal from the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certificate</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon transfer in </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">excess of 12 in a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certificate Year</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per transfer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:36.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated Benefits Rider </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">At the time an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">accelerated death </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">benefit is paid</span></div></div></td> <td colspan="3" style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">150</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Certificates issued under a Group C charge structure, the premium tax charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Certificates.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The partial withdrawal charge is equal to the lesser of $25 or 2% of the amount of the withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not currently impose this charge.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium Payment</span> 0.0225 0.0225 0 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Partial Withdrawal Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon each partial </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">withdrawal from the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certificate</span> 25 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon transfer in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">excess of 12 in a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certificate Year</span> 25 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated Benefits Rider </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">At the time an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">accelerated death </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">benefit is paid</span> 150 <span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Certificates issued under a Group C charge structure, the premium tax charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Certificates.</span> <span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The partial withdrawal charge is equal to the lesser of $25 or 2% of the amount of the withdrawal.</span> <span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not currently impose this charge.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Periodic Charges Other Than Annual Portfolio Expenses </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Charges:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.26</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">112.63</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:28pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:9.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.81 per $1,000 net amount at risk</span></div></div></td></tr> <tr style="height:13pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group B</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group C</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.50</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> explicit </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> explicit </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mortality and Expense Risk Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Daily</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.90</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">% (annually) of the net assets of each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Division of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Separate Account</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Interest Spread</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;"> (6)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annually</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"><span style="-sec-ix-hidden:x_4804f763-dc30-420b-af6c-b3f34c95b6d4">2.0</span></span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Charges:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly Deductions Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7), (8)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.31</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:28pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:9.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.00 per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dependent Life Benefit Rider – Child</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.41</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of coverage</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse's Life Insurance Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7),(9)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.26</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">112.63</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:28pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Insured </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:9.0pt;position:relative;top:-4.25pt;">(10)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.81 per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Accidental Death and Dismemberment </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insurance Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.26</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">112.63</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:27.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:9.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.81 per $1,000 of net amount at risk</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cost of insurance charges vary based on the Insured’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Attained Age and rate class. The cost of insurance charge will also vary depending on which charge structure the Employer has chosen for the Certificates. The cost of insurance charge is greater for participants in a Plan that uses a Group B or Group C charge structure than those in a Plan that uses a Group A charge structure. The cost of insurance charges shown in the table may not be typical of the charges you will pay. Your Certificate will indicate the charge structure applicable to your Certificate. More detailed information concerning your cost of insurance charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A representative Insured is a person with an attained age of 43, actively at work.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum administrative charge we can apply to any Certificate can vary but will not exceed the amounts in the table. Please refer to the specifications pages of your Certificate for the administrative charge that applies to your Certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Certificates issued under a Group B or Group C charge structure, the administrative charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Certificates.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Mortality and Expense Risk Charge is currently 0.75% (annually) of the net assets of each Division of the Separate Account.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">While the amount we charge you is guaranteed not to exceed 8% annually and the amount we credit is guaranteed not to be lower than the guaranteed minimum annual rate in effect on the issue date of your Group Policy, which in no event will be lower than 1%. We also guarantee that the Loan Interest Spread will not be greater than 2%.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(7)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges for this rider vary based on the Insured’s individual characteristics. The rider charges shown in the table may not be representative of the charge that you will pay. Your Certificate will indicate the charges applicable to your Certificate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">More detailed information concerning your charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(8)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum charge for this rider does not increase the maximum charge outlined under the maximum charge of the Cost of Insurance Charge. Similarly, the charge for a representative insured is also $0.00 per $1,000 of the net amount at risk because the charge is included in the current Cost of Insurance Charge.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(9)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Spouse’s life insurance benefit can be provided by rider or by a separate Certificate, depending upon what is available under your Group. The charges shown reflect the charges that apply to a Spouse Certificate. For a Spouse rider, the minimum and maximum charge is $0.30 to $83.33 per $1,000 of coverage and the charge for a representative insured is $0.76 per $1,000 of coverage.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(10)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Spouse's Life Insurance Benefit, a representative Insured is an Employee’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Spouse that has an attained age of 43.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost of Insurance Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 0.0026 1.1263 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.81 per $1,000 net amount at risk</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 6.50 0 0 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mortality and Expense Risk Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Daily</span> 0.0090 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Interest Spread</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;"> (6)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annually</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly Deductions Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 0.0010 0.0031 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.00 per $1,000 of net amount at risk</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dependent Life Benefit Rider – Child</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 0.0041 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse's Life Insurance Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 0.0026 1.1263 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Insured </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.81 per $1,000 of net amount at risk</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Accidental Death and Dismemberment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insurance Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 0.0026 1.1263 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.81 per $1,000 of net amount at risk</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cost of insurance charges vary based on the Insured’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Attained Age and rate class. The cost of insurance charge will also vary depending on which charge structure the Employer has chosen for the Certificates. The cost of insurance charge is greater for participants in a Plan that uses a Group B or Group C charge structure than those in a Plan that uses a Group A charge structure. The cost of insurance charges shown in the table may not be typical of the charges you will pay. Your Certificate will indicate the charge structure applicable to your Certificate. More detailed information concerning your cost of insurance charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A representative Insured is a person with an attained age of 43, actively at work.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum administrative charge we can apply to any Certificate can vary but will not exceed the amounts in the table. Please refer to the specifications pages of your Certificate for the administrative charge that applies to your Certificate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Certificates issued under a Group B or Group C charge structure, the administrative charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Certificates.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Certificates issued under a Group B or Group C charge structure, the administrative charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Certificates.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Mortality and Expense Risk Charge is currently 0.75% (annually) of the net assets of each Division of the Separate Account.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">While the amount we charge you is guaranteed not to exceed 8% annually and the amount we credit is guaranteed not to be lower than the guaranteed minimum annual rate in effect on the issue date of your Group Policy, which in no event will be lower than 1%. We also guarantee that the Loan Interest Spread will not be greater than 2%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges for this rider vary based on the Insured’s individual characteristics. The rider charges shown in the table may not be representative of the charge that you will pay. Your Certificate will indicate the charges applicable to your Certificate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">More detailed information concerning your charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum charge for this rider does not increase the maximum charge outlined under the maximum charge of the Cost of Insurance Charge. Similarly, the charge for a representative insured is also $0.00 per $1,000 of the net amount at risk because the charge is included in the current Cost of Insurance Charge.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Spouse's Life Insurance Benefit, a representative Insured is an Employee’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Spouse that has an attained age of 43.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:362.45pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:61.41pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:62.14pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:362.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio Expenses </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(as a percentage of average net assets)</span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio assets, including management fees, </span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:61.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.27</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:62.14pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.72</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio Expenses </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(as a percentage of average net assets)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio assets, including management fees, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span> 0.0027 0.0072 <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">PRINCIPAL RISKS</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Investment Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you invest your Cash Value in one or more Divisions of the Separate Account, then you will be subject to the risk that the investment performance of the Divisions will be unfavorable and that the Cash Value will decrease. An investment in this Certificate is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the Certificate. Each investment option (including the Fixed Account option) has its own unique risks. You should review the investment options before making an investment decision. A comprehensive discussion of the risks of each of the Portfolios may be found in each Portfolio's prospectus. Please refer to the prospectuses for the Portfolios for more information. There is no assurance that any of the Portfolios will achieve its stated investment objective. In addition, we deduct Certificate fees and charges from your Cash Value, which can significantly reduce your Cash Value. During times of poor investment performance, this deduction will have an even greater impact on your Cash Value. You could lose everything you invest and your Certificate could lapse without value, unless you pay additional premium. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you allocate premiums to the Fixed Account, then we credit your Cash Value in the Fixed Account with a declared rate of interest. You assume the risk that the interest rate on the Fixed Account may decrease, although it will never be lower than the guaranteed minimum annual rate in effect on the issue date of your Group Policy, which in no event will be lower than 1%.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Risk of an Increase in Current Fees and Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Certain fees and expenses currently are assessed at less than their guaranteed maximum levels. In the future, we may increase these current charges up to the guaranteed (that is, maximum) levels. If fees and expenses are increased, you may need to increase the amount and/or frequency of premiums to keep the Certificate in force.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Certificate Lapse</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If your Cash Surrender Value is not enough to pay the monthly deduction and other charges, your Certificate may enter a 62-day grace period. We will notify you that the Certificate will lapse (terminate without value) unless you make sufficient payment during the grace period. Your Certificate also may lapse if your Indebtedness exceeds your Cash Value on any Monthly Anniversary. If either of these situations occurs, your Certificate will be in default and you must pay a specified amount of new premium to prevent your Certificate from lapsing. Subject to certain conditions and our underwriting rules, you may reinstate a lapsed Certificate within three years after the date of lapse and before the Maturity Date. In certain situations your Certificate may also terminate if your Employer ends its participation in the Group Policy.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Limitations on Access to Cash Value</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We limit partial withdrawals of Cash Value from the Certificates to amounts not less than $200 and we reserve the right to limit withdrawals you request from the Fixed Account, to not more than the 25% of the largest amount in the Fixed Account over the last four Certificate Years (or since the Effective Date of the Certificate if the Certificate has been in effect for less than four years).</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Limitations on Transfers</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We do not currently charge for transfers, but we reserve the right to charge up to $25 per transfer to cover administrative costs incurred in processing any transfer in excess of 12 in a Certificate Year, except for transfers under the Automated Investment Strategies. We have adopted procedures to limit excessive transfer activity. In addition, each Fund may restrict or refuse certain transfers among, or purchases of shares in their Portfolios as a result of certain market timing activities. You should read each Portfolio's prospectus for more details. The minimum amount you must transfer is $200 or, if less, the Certificate's Cash Value in a Division or in the Fixed Account. We are not currently enforcing this restriction for transfers from the Fixed Account but reserve the right to do so in the future. We reserve the right to limit transfers from the Fixed Account in any Certificate Year to 25% of the largest amount in the Fixed Account over the last four Certificate Years (or since the Effective Date of the Certificate if the Certificate has been in effect for less than four Certificate Years).</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Tax Treatment</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">To qualify as a life insurance contract for federal income tax purposes and to receive the tax treatment normally accorded life insurance contracts under federal tax law, a Certificate must satisfy certain requirements which are set forth in the Internal Revenue Code (the “Code”). Guidance as to how these requirements are to be applied is limited. Nevertheless, we believe that the Certificate should satisfy the applicable requirements. If it is subsequently determined that a Certificate does not satisfy the applicable requirements, we may take appropriate steps to bring the Certificate into compliance with such requirements and we reserve the right to restrict Certificate transactions in order to do so. The insurance proceeds payable upon death of the Insured will never be less than the minimum amount required for a Certificate to be treated as life insurance under Section 7702 of the Code, as in effect on the date the Certificate was issued. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Depending on the total amount of premiums you pay, the Certificate may be treated as a “modified endowment contract” (“MEC”) under federal tax laws. If a Certificate is treated as a MEC, then surrenders, partial withdrawals, and loans under the Certificate will be taxable as ordinary income to the extent there are earnings in the Certificate. In addition, a 10% penalty tax may be imposed on surrenders, partial withdrawals, and loans taken before you reach age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under current federal income tax law, the taxable portion of distributions from variable life contracts is taxed at ordinary income tax rates and does not qualify for the reduced tax rate applicable to long-term capital gains and dividends. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You should consult a qualified tax adviser for assistance in all Certificate-related tax matters.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Surrender and Partial Withdrawals (Short-Term Investment Risk)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We designed the Certificate to meet long-term financial goals. To best realize the benefits available through the Certificate, including the benefit of tax deferred build-up of Cash Value, you should purchase the Certificate only if you have the financial ability to keep it in force for a substantial period of time. You should not purchase the Certificate if you intend to surrender all or part of the Certificate in the near future. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The Certificate is not suitable as a short-term savings vehicle.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> A surrender, in whole or in part, may have tax consequences and may increase the risk that your Certificate will lapse. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We assess a partial withdrawal transaction charge equal to the lesser of $25 or 2% of the amount withdrawn. A partial withdrawal may reduce the Face Amount as well as the death benefit. In certain circumstances, the reduction of the death benefit resulting from a partial withdrawal also may affect the cost of insurance charge and the amount of insurance protection afforded under a Certificate. Partial withdrawals may have tax consequences and may increase the risk that your Certificate will lapse.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Loans</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A Certificate Loan, whether or not repaid, will affect Cash Value over time because we subtract the amount of the Certificate Loan from the Divisions of the Separate Account and/or the Fixed Account and hold that amount in the Loan Account. This loan collateral does not participate in the investment performance of the Divisions of the Separate Account. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We reduce the amount we pay on the Insured’s death, surrender, or the maturity of the Certificate, by the amount of any Indebtedness. Your Certificate may lapse (terminate without value) if the Indebtedness exceeds the Cash Value on any Monthly Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A Certificate Loan may have tax consequences. If you surrender the Certificate or allow the Certificate to lapse or if the Certificate terminates while a Certificate Loan is outstanding, the amount of the outstanding Indebtedness, to the extent it has not previously been taxed, will be added to any amount you receive and taxed accordingly.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Pandemics and Other Public Health Issues, and Other Events</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Pandemics and other public health issues or other events, and governmental, business, and consumer reactions to them, may affect economic conditions and may cause a large number of illnesses or deaths. Hurricanes, windstorms, earthquakes, hail, tornadoes, explosions, severe winter weather, fires, floods and mudslides, blackouts and man-made events such as riot, insurrection, terrorist attacks or acts of war may also cause catastrophic losses and increased claims. Any such catastrophes may also result in changes in consumer or business confidence, behavior and investment and business activity, changes to interest rates and other market risk factors, and governmental or other restrictions on economic activity for prolonged periods.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Cybersecurity</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Our business is highly dependent upon the effective operation of our information systems, and those of our service providers, vendors, and other third parties. Cybersecurity breaches of such systems can be intentional or unintentional events, and can occur through unauthorized access to computer systems, networks or devices; infection from computer viruses or other malicious software code; or attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality and our disaster recovery systems may be insufficient to safeguard our ability to conduct business. Cybersecurity breaches can interfere with our processing of Certificate transactions, including the processing of transfer orders from our website or with the Portfolios; impact our ability to calculate the Cash Value in each Division; cause the release and possible loss or destruction of confidential Owner or business information; impede order processing or cause other operational issues; and result in regulatory enforcement actions or new laws or regulations which could increase our compliance costs. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, and we require our critical vendors to implement effective cybersecurity and data protection measures, there is no guarantee that we will be able to successfully manage this risk at all times.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Terrorism and Security Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The continued threat of terrorism, ongoing or potential military conflict and other actions, and heightened security measures may cause economic uncertainty and result in loss of life, property damage, additional disruptions to commerce and reduced economic activity. The value of MetLife's investment portfolio may be adversely affected by declines in the credit and equity markets and reduced economic activity caused by such threats. Companies in which we maintain investments may suffer losses as a result of financial, commercial or economic disruptions, and such disruptions might affect the ability of those companies to pay interest or principal on their securities or mortgage loans. Terrorist or military actions also could disrupt our operations centers and result in higher than anticipated claims under our insurance policies.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Insurance Company Risks</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Certificates are subject to the risks related to Metropolitan Life. Any obligations (including under any Fixed Account investment option), guarantees, and benefits of the Certificate are subject to the claims paying ability of Metropolitan Life. If Metropolitan Life experiences financial distress, it may not be able to meet its obligations to you. More information about Metropolitan Life, including its financial strength ratings, is available upon request by calling (800) 756-0124 or by visiting www.metlife.com/about-us/corporate-profile/ratings.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Technology Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Our business operations rely on functioning and secure information systems, including those of our vendors and other third parties. Technological changes present us with new or intensified challenges, and if we are unable to foresee or adapt to these changes, our business may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Technological changes may affect our business model and how we interact with our customers. The growth and availability of AI technologies, including generative AI, presents significant opportunities but also complex challenges; these include balancing and mitigating potential risks of harm posed by the development or deployment of AI technologies, as well as implementing and maintaining controls reasonably designed to ensure compliance with an increasingly complex AI regulatory landscape, with evolving requirements that may vary across jurisdictions. We may fail to adopt new technologies as effectively or efficiently as others, leading to competitive </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">harm. If we are unable to update our business model to match evolving consumer preferences or the evolving technological landscape, we may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">New technologies may impact the configuration of our information systems, and how they connect with those of our vendors, service providers and/or partners. Such technological developments may introduce or uncover information security vulnerabilities, which may result in breaches, increased costs associated with maintaining appropriate data privacy, data protection, and cybersecurity measures, enforcement actions against us by regulators or other outcomes that may adversely impact our operations or business. In addition, any such vulnerability that results in a security breach or failure of our information systems, or those of third parties on which we rely, may result in litigation, regulatory action, negative impacts to our business operations, and reputational harm.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Investment Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you invest your Cash Value in one or more Divisions of the Separate Account, then you will be subject to the risk that the investment performance of the Divisions will be unfavorable and that the Cash Value will decrease. An investment in this Certificate is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the Certificate. Each investment option (including the Fixed Account option) has its own unique risks. You should review the investment options before making an investment decision. A comprehensive discussion of the risks of each of the Portfolios may be found in each Portfolio's prospectus. Please refer to the prospectuses for the Portfolios for more information. There is no assurance that any of the Portfolios will achieve its stated investment objective. In addition, we deduct Certificate fees and charges from your Cash Value, which can significantly reduce your Cash Value. During times of poor investment performance, this deduction will have an even greater impact on your Cash Value. You could lose everything you invest and your Certificate could lapse without value, unless you pay additional premium. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you allocate premiums to the Fixed Account, then we credit your Cash Value in the Fixed Account with a declared rate of interest. You assume the risk that the interest rate on the Fixed Account may decrease, although it will never be lower than the guaranteed minimum annual rate in effect on the issue date of your Group Policy, which in no event will be lower than 1%.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Risk of an Increase in Current Fees and Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Certain fees and expenses currently are assessed at less than their guaranteed maximum levels. In the future, we may increase these current charges up to the guaranteed (that is, maximum) levels. If fees and expenses are increased, you may need to increase the amount and/or frequency of premiums to keep the Certificate in force.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Certificate Lapse</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If your Cash Surrender Value is not enough to pay the monthly deduction and other charges, your Certificate may enter a 62-day grace period. We will notify you that the Certificate will lapse (terminate without value) unless you make sufficient payment during the grace period. Your Certificate also may lapse if your Indebtedness exceeds your Cash Value on any Monthly Anniversary. If either of these situations occurs, your Certificate will be in default and you must pay a specified amount of new premium to prevent your Certificate from lapsing. Subject to certain conditions and our underwriting rules, you may reinstate a lapsed Certificate within three years after the date of lapse and before the Maturity Date. In certain situations your Certificate may also terminate if your Employer ends its participation in the Group Policy.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Limitations on Access to Cash Value</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We limit partial withdrawals of Cash Value from the Certificates to amounts not less than $200 and we reserve the right to limit withdrawals you request from the Fixed Account, to not more than the 25% of the largest amount in the Fixed Account over the last four Certificate Years (or since the Effective Date of the Certificate if the Certificate has been in effect for less than four years).</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Limitations on Transfers</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We do not currently charge for transfers, but we reserve the right to charge up to $25 per transfer to cover administrative costs incurred in processing any transfer in excess of 12 in a Certificate Year, except for transfers under the Automated Investment Strategies. We have adopted procedures to limit excessive transfer activity. In addition, each Fund may restrict or refuse certain transfers among, or purchases of shares in their Portfolios as a result of certain market timing activities. You should read each Portfolio's prospectus for more details. The minimum amount you must transfer is $200 or, if less, the Certificate's Cash Value in a Division or in the Fixed Account. We are not currently enforcing this restriction for transfers from the Fixed Account but reserve the right to do so in the future. We reserve the right to limit transfers from the Fixed Account in any Certificate Year to 25% of the largest amount in the Fixed Account over the last four Certificate Years (or since the Effective Date of the Certificate if the Certificate has been in effect for less than four Certificate Years).</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Tax Treatment</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">To qualify as a life insurance contract for federal income tax purposes and to receive the tax treatment normally accorded life insurance contracts under federal tax law, a Certificate must satisfy certain requirements which are set forth in the Internal Revenue Code (the “Code”). Guidance as to how these requirements are to be applied is limited. Nevertheless, we believe that the Certificate should satisfy the applicable requirements. If it is subsequently determined that a Certificate does not satisfy the applicable requirements, we may take appropriate steps to bring the Certificate into compliance with such requirements and we reserve the right to restrict Certificate transactions in order to do so. The insurance proceeds payable upon death of the Insured will never be less than the minimum amount required for a Certificate to be treated as life insurance under Section 7702 of the Code, as in effect on the date the Certificate was issued. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Depending on the total amount of premiums you pay, the Certificate may be treated as a “modified endowment contract” (“MEC”) under federal tax laws. If a Certificate is treated as a MEC, then surrenders, partial withdrawals, and loans under the Certificate will be taxable as ordinary income to the extent there are earnings in the Certificate. In addition, a 10% penalty tax may be imposed on surrenders, partial withdrawals, and loans taken before you reach age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under current federal income tax law, the taxable portion of distributions from variable life contracts is taxed at ordinary income tax rates and does not qualify for the reduced tax rate applicable to long-term capital gains and dividends. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You should consult a qualified tax adviser for assistance in all Certificate-related tax matters.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Surrender and Partial Withdrawals (Short-Term Investment Risk)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We designed the Certificate to meet long-term financial goals. To best realize the benefits available through the Certificate, including the benefit of tax deferred build-up of Cash Value, you should purchase the Certificate only if you have the financial ability to keep it in force for a substantial period of time. You should not purchase the Certificate if you intend to surrender all or part of the Certificate in the near future. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The Certificate is not suitable as a short-term savings vehicle.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> A surrender, in whole or in part, may have tax consequences and may increase the risk that your Certificate will lapse. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We assess a partial withdrawal transaction charge equal to the lesser of $25 or 2% of the amount withdrawn. A partial withdrawal may reduce the Face Amount as well as the death benefit. In certain circumstances, the reduction of the death benefit resulting from a partial withdrawal also may affect the cost of insurance charge and the amount of insurance protection afforded under a Certificate. Partial withdrawals may have tax consequences and may increase the risk that your Certificate will lapse.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Loans</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A Certificate Loan, whether or not repaid, will affect Cash Value over time because we subtract the amount of the Certificate Loan from the Divisions of the Separate Account and/or the Fixed Account and hold that amount in the Loan Account. This loan collateral does not participate in the investment performance of the Divisions of the Separate Account. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We reduce the amount we pay on the Insured’s death, surrender, or the maturity of the Certificate, by the amount of any Indebtedness. Your Certificate may lapse (terminate without value) if the Indebtedness exceeds the Cash Value on any Monthly Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A Certificate Loan may have tax consequences. If you surrender the Certificate or allow the Certificate to lapse or if the Certificate terminates while a Certificate Loan is outstanding, the amount of the outstanding Indebtedness, to the extent it has not previously been taxed, will be added to any amount you receive and taxed accordingly.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Pandemics and Other Public Health Issues, and Other Events</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Pandemics and other public health issues or other events, and governmental, business, and consumer reactions to them, may affect economic conditions and may cause a large number of illnesses or deaths. Hurricanes, windstorms, earthquakes, hail, tornadoes, explosions, severe winter weather, fires, floods and mudslides, blackouts and man-made events such as riot, insurrection, terrorist attacks or acts of war may also cause catastrophic losses and increased claims. Any such catastrophes may also result in changes in consumer or business confidence, behavior and investment and business activity, changes to interest rates and other market risk factors, and governmental or other restrictions on economic activity for prolonged periods.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Cybersecurity</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Our business is highly dependent upon the effective operation of our information systems, and those of our service providers, vendors, and other third parties. Cybersecurity breaches of such systems can be intentional or unintentional events, and can occur through unauthorized access to computer systems, networks or devices; infection from computer viruses or other malicious software code; or attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality and our disaster recovery systems may be insufficient to safeguard our ability to conduct business. Cybersecurity breaches can interfere with our processing of Certificate transactions, including the processing of transfer orders from our website or with the Portfolios; impact our ability to calculate the Cash Value in each Division; cause the release and possible loss or destruction of confidential Owner or business information; impede order processing or cause other operational issues; and result in regulatory enforcement actions or new laws or regulations which could increase our compliance costs. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, and we require our critical vendors to implement effective cybersecurity and data protection measures, there is no guarantee that we will be able to successfully manage this risk at all times.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Terrorism and Security Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The continued threat of terrorism, ongoing or potential military conflict and other actions, and heightened security measures may cause economic uncertainty and result in loss of life, property damage, additional disruptions to commerce and reduced economic activity. The value of MetLife's investment portfolio may be adversely affected by declines in the credit and equity markets and reduced economic activity caused by such threats. Companies in which we maintain investments may suffer losses as a result of financial, commercial or economic disruptions, and such disruptions might affect the ability of those companies to pay interest or principal on their securities or mortgage loans. Terrorist or military actions also could disrupt our operations centers and result in higher than anticipated claims under our insurance policies.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Insurance Company Risks</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Certificates are subject to the risks related to Metropolitan Life. Any obligations (including under any Fixed Account investment option), guarantees, and benefits of the Certificate are subject to the claims paying ability of Metropolitan Life. If Metropolitan Life experiences financial distress, it may not be able to meet its obligations to you. More information about Metropolitan Life, including its financial strength ratings, is available upon request by calling (800) 756-0124 or by visiting www.metlife.com/about-us/corporate-profile/ratings.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Technology Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Our business operations rely on functioning and secure information systems, including those of our vendors and other third parties. Technological changes present us with new or intensified challenges, and if we are unable to foresee or adapt to these changes, our business may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Technological changes may affect our business model and how we interact with our customers. The growth and availability of AI technologies, including generative AI, presents significant opportunities but also complex challenges; these include balancing and mitigating potential risks of harm posed by the development or deployment of AI technologies, as well as implementing and maintaining controls reasonably designed to ensure compliance with an increasingly complex AI regulatory landscape, with evolving requirements that may vary across jurisdictions. We may fail to adopt new technologies as effectively or efficiently as others, leading to competitive </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">harm. If we are unable to update our business model to match evolving consumer preferences or the evolving technological landscape, we may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">New technologies may impact the configuration of our information systems, and how they connect with those of our vendors, service providers and/or partners. Such technological developments may introduce or uncover information security vulnerabilities, which may result in breaches, increased costs associated with maintaining appropriate data privacy, data protection, and cybersecurity measures, enforcement actions against us by regulators or other outcomes that may adversely impact our operations or business. In addition, any such vulnerability that results in a security breach or failure of our information systems, or those of third parties on which we rely, may result in litigation, regulatory action, negative impacts to our business operations, and reputational harm.</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">CERTIFICATE BENEFITS</span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Standard Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">As long as the Certificate remains in force, we will pay the death benefit proceeds to the Beneficiary once we receive at our Administrative Office (i) satisfactory proof of the Insured’s death, (ii) instructions on how to pay the proceeds, and (iii) any other documents, forms and information we need. We may require you to return the Certificate. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Death benefit proceeds equal: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the death benefit (described below); </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">plus </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">any additional insurance provided by rider; </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">minus </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">any unpaid monthly deductions; </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">minus </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">any outstanding Indebtedness. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">An increase in Face Amount will increase the death benefit, and a decrease in Face Amount will decrease the death benefit. We may further adjust the amount of the death proceeds under certain circumstances. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you have a rider permitting the accelerated payment of death benefit proceeds, the death benefit may be paid in a single sum before the death of the Insured, and would be less than otherwise would be paid upon the death of the Insured. </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Payment of the Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Death benefit proceeds under the Certificate ordinarily will be paid within seven days after we receive proof of the Insured’s death and all other documentation required at our Administrative Office. Payment may, however, be postponed in certain circumstances. (See “General Matters Relating to the Certificate — Postponement of Payments.”) The death benefit will be reduced by any outstanding Indebtedness and any due and unpaid Monthly Deduction accruing during a grace period. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We will pay the proceeds in one sum, including either by check, by placing the amount in an account that earns interest, or by any other method of payment that provides the Beneficiary with immediate and full access to the proceeds. We will pay interest on the proceeds as required by the applicable state law. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Unless otherwise requested and subject to state law, the Certificate’s death proceeds will generally be paid to the Beneficiary through a settlement option called the Total Control Account (if the death proceeds meet the required minimum). The Total Control Account is an interest-bearing account through which the Beneficiary has immediate and full access to the proceeds, with unlimited draft writing privileges. We credit interest to the account at a rate that will not be less than a guaranteed minimum annual effective rate. You may also elect to have any Certificate surrender proceeds paid into a Total Control Account established for you. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assets backing the Total Control Accounts are maintained in our General Account and are subject to the claims of our creditors. We will bear the investment experience of such assets; however, regardless of the investment experience of such assets, the interest credited to the Total Control Account will never fall below the applicable guaranteed minimum annual effective rate. Because we bear the investment experience of the assets backing the Total Control Accounts, we may receive a profit from these assets. The Total Control Account is not insured by the FDIC or any other governmental agency. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Every state has unclaimed property laws which generally declare life insurance policies to be abandoned after a period of inactivity of two to five years from the date any death benefit is due and payable. For example, if the payment of a death benefit has been triggered, and after a thorough search, we are still unable to locate the Beneficiary of the death benefit, the death benefit will be paid to the abandoned property division or unclaimed property office of the state in which the Beneficiary or the Owner last resided, as shown on our books and records. (“Escheatment” is the formal, legal name for this process.) However, the state is obligated to pay the death benefit (without interest) if your Beneficiary steps forward to claim it with the proper documentation and within certain mandated time periods. To prevent your Certificate’s death benefit from being paid to the state’s abandoned or unclaimed property office, it is important that you update your Beneficiary designation, including complete names and complete contact information, if and as it changes. You should contact our Administrative Office in order to make a change to your Beneficiary designation. </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Standard Death Benefit Options</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Certificate provides two death benefit options: a “Level Type” death benefit (“Option A”) and an “Increasing Type” death benefit (“Option B”). Under certain Plans, however, Option B may be the only death benefit option presented. We calculate the amount available under each death benefit option as of the date of the Insured’s death. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under Option A, the death benefit is: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the current Face Amount of the Certificate or, if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the applicable percentage of Cash Value on the date of death. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The applicable percentage is 250% for an Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Attained Age 40 or below on the Certificate Anniversary before the date of the Insured’s death. For Insureds with an Attained Age over 40 on that Certificate Anniversary, the percentage is lower and gradually declines with age until it reaches 100% at age 95.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under Option B, the death benefit is: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the current Face Amount plus the Cash Value of the Certificate or, if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the applicable percentage of the Cash Value on the date of death. The applicable percentage is the same as under Option A.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Which Death Benefit Option to Choose.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Owners who prefer to have favorable investment performance reflected in higher death benefits for the same Face Amount generally should select Option B. Owners who prefer to have favorable investment performance reflected in lower cost of insurance charges for the same Face Amount generally should select Option A. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The amount of the death benefit may vary with the amount of the Cash Value. Under Option A, the death benefit will vary as the Cash Value varies whenever the Cash Value multiplied by the applicable percentage exceeds the Face Amount. Under Option B, the amount of the death benefit will always vary as the Cash Value varies (but will never be less than the Face Amount).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Changing Death Benefit Options</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">After the first Certificate Anniversary, you may change the death benefit option. A request for a change must be made to our Administrative Office in writing. The effective date of such a change will be the Monthly Anniversary on or following the date we receive the change request. If an increase in Face Amount precedes or occurs concurrently with a change in death benefit option, the cost of insurance charge may be different for the amount of the increase.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Changing the death benefit option may result in a change in Face Amount. If an Owner changes from Option A to Option B, the Face Amount after the change will equal the Face Amount before the change LESS the Cash Value on the effective date of the change. Any written request to change from Option A to Option B must be accompanied by satisfactory evidence of insurability. We will not accept a change from Option A to Option B if doing so would reduce the Face Amount to less than $10,000.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If an Owner changes from Option B to Option A, the Face Amount after the change will equal the Face Amount before the change PLUS the Cash Value on the effective date of change. We will not impose any charges in connection with a change in death benefit option. Changing the death benefit option also may have tax consequences and may affect the net amount at risk over time (which would affect the monthly cost of insurance </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">charge). However, we will not permit any change that would result in your Certificate being disqualified as a life insurance contract under Section 7702 of the Code. You should consult a tax adviser before changing death benefit options. </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Changing Face Amount</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You select the Face Amount when applying for the Certificate. Subject to certain limitations set forth below, you may increase or decrease the Face Amount of a Certificate (without changing the death benefit option) after the first Certificate Anniversary. A change in Face Amount may affect the cost of insurance rate and the net amount at risk, both of which affect your cost of insurance charge. Changing the Face Amount also may have federal income tax consequences and you should consult a tax adviser before doing so. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Face Amount Increases.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may increase the Face Amount by submitting a written request and providing satisfactory evidence of insurability. If approved, the increase will become effective on the Monthly Anniversary on or following receipt at our Administrative Office of the satisfactory evidence of insurability. The amount of the increase may not be less than $5,000, and the Face Amount may not be increased to more than the maximum Face Amount for that Certificate. Although an increase need not necessarily be accompanied by additional premium, the Cash Surrender Value in effect immediately after the increase must be sufficient to cover the next monthly deduction. If you are paying premiums under a Payroll Deduction Plan, however, you may increase the Face Amount and under certain conditions may do so without providing evidence of insurability. These conditions vary from Plan to Plan and may include a change in family status due to marriage, divorce or the addition of a child (subject to maximum increase amounts), or an increase in your salary provided you have not previously declined any such increase in your Face Amount. The conditions and requirements that apply to your Plan are set forth in the Certificate. If evidence of insurability is not required, the increase will generally become effective on the Monthly Anniversary on or following the date of the request. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Face Amount Decreases.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may decrease the Face Amount by written request to us. Any decrease in the Face Amount will become effective on the Monthly Anniversary on or following our receipt of the written request. The amount of the requested decrease must be at least $5,000 and the Face Amount remaining in force after any requested decrease may not be less than the minimum Face Amount, $10,000. If, following a decrease in Face Amount, the Certificate would not comply with the maximum premium limitations required by federal tax law, we will (at your election) either limit the decrease or return Cash Value to you to the extent necessary to meet those requirements. A decrease in the Face Amount generally will reduce the net amount at risk, which will reduce the cost of insurance charges. (See “Charges and Deductions — Cost of Insurance Charge.”) </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Mandatory Face Amount Decreases Provision.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Your Certificate may contain a provision that would reduce the Face Amount as the Insured attains various ages. The ages at which a reduction will be triggered and the amount of the reduction may vary from Plan to Plan but will apply consistently to all Certificates issued under the Plan. Please refer to your Certificate to determine if it contains this provision and if so, what ages and percentages apply. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">An example of how the provision will work is as follows: a Certificate may provide that on or after age 65, the Face Amount will be reduced to 65% of the Face Amount in effect on the day before the Insured’s 65th birthday (the “pre-65 Face Amount”). At age 70, the Face Amount will be 45% of the pre-65 Face Amount, at age 75, the Face Amount will be 30% of the pre-65 Face Amount and at age 80 or older, the Face Amount will be 20% of the pre-65 Face Amount. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A decrease in the Face Amount will result in a decrease in Death Benefit. If, following a decrease in Face Amount, the Certificate would not comply with the maximum premium limitations required by federal law, we will (at your election) either limit the decrease or return Cash Value to the Owner to the extent necessary to meet those requirements.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under Option A, the death benefit is: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the current Face Amount of the Certificate or, if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the applicable percentage of Cash Value on the date of death. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The applicable percentage is 250% for an Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Attained Age 40 or below on the Certificate Anniversary before the date of the Insured’s death. For Insureds with an Attained Age over 40 on that Certificate Anniversary, the percentage is lower and gradually declines with age until it reaches 100% at age 95.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under Option B, the death benefit is: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the current Face Amount plus the Cash Value of the Certificate or, if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the applicable percentage of the Cash Value on the date of death. The applicable percentage is the same as under Option A.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Which Death Benefit Option to Choose.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Owners who prefer to have favorable investment performance reflected in higher death benefits for the same Face Amount generally should select Option B. Owners who prefer to have favorable investment performance reflected in lower cost of insurance charges for the same Face Amount generally should select Option A. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The amount of the death benefit may vary with the amount of the Cash Value. Under Option A, the death benefit will vary as the Cash Value varies whenever the Cash Value multiplied by the applicable percentage exceeds the Face Amount. Under Option B, the amount of the death benefit will always vary as the Cash Value varies (but will never be less than the Face Amount).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">After the first Certificate Anniversary, you may change the death benefit option. A request for a change must be made to our Administrative Office in writing. The effective date of such a change will be the Monthly Anniversary on or following the date we receive the change request. If an increase in Face Amount precedes or occurs concurrently with a change in death benefit option, the cost of insurance charge may be different for the amount of the increase.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Changing the death benefit option may result in a change in Face Amount. If an Owner changes from Option A to Option B, the Face Amount after the change will equal the Face Amount before the change LESS the Cash Value on the effective date of the change. Any written request to change from Option A to Option B must be accompanied by satisfactory evidence of insurability. We will not accept a change from Option A to Option B if doing so would reduce the Face Amount to less than $10,000.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If an Owner changes from Option B to Option A, the Face Amount after the change will equal the Face Amount before the change PLUS the Cash Value on the effective date of change. We will not impose any charges in connection with a change in death benefit option. Changing the death benefit option also may have tax consequences and may affect the net amount at risk over time (which would affect the monthly cost of insurance </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">charge). However, we will not permit any change that would result in your Certificate being disqualified as a life insurance contract under Section 7702 of the Code. You should consult a tax adviser before changing death benefit options. </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Changing Face Amount</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You select the Face Amount when applying for the Certificate. Subject to certain limitations set forth below, you may increase or decrease the Face Amount of a Certificate (without changing the death benefit option) after the first Certificate Anniversary. A change in Face Amount may affect the cost of insurance rate and the net amount at risk, both of which affect your cost of insurance charge. Changing the Face Amount also may have federal income tax consequences and you should consult a tax adviser before doing so. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Face Amount Increases.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may increase the Face Amount by submitting a written request and providing satisfactory evidence of insurability. If approved, the increase will become effective on the Monthly Anniversary on or following receipt at our Administrative Office of the satisfactory evidence of insurability. The amount of the increase may not be less than $5,000, and the Face Amount may not be increased to more than the maximum Face Amount for that Certificate. Although an increase need not necessarily be accompanied by additional premium, the Cash Surrender Value in effect immediately after the increase must be sufficient to cover the next monthly deduction. If you are paying premiums under a Payroll Deduction Plan, however, you may increase the Face Amount and under certain conditions may do so without providing evidence of insurability. These conditions vary from Plan to Plan and may include a change in family status due to marriage, divorce or the addition of a child (subject to maximum increase amounts), or an increase in your salary provided you have not previously declined any such increase in your Face Amount. The conditions and requirements that apply to your Plan are set forth in the Certificate. If evidence of insurability is not required, the increase will generally become effective on the Monthly Anniversary on or following the date of the request. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Face Amount Decreases.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may decrease the Face Amount by written request to us. Any decrease in the Face Amount will become effective on the Monthly Anniversary on or following our receipt of the written request. The amount of the requested decrease must be at least $5,000 and the Face Amount remaining in force after any requested decrease may not be less than the minimum Face Amount, $10,000. If, following a decrease in Face Amount, the Certificate would not comply with the maximum premium limitations required by federal tax law, we will (at your election) either limit the decrease or return Cash Value to you to the extent necessary to meet those requirements. A decrease in the Face Amount generally will reduce the net amount at risk, which will reduce the cost of insurance charges. (See “Charges and Deductions — Cost of Insurance Charge.”) </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Mandatory Face Amount Decreases Provision.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Your Certificate may contain a provision that would reduce the Face Amount as the Insured attains various ages. The ages at which a reduction will be triggered and the amount of the reduction may vary from Plan to Plan but will apply consistently to all Certificates issued under the Plan. Please refer to your Certificate to determine if it contains this provision and if so, what ages and percentages apply. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">An example of how the provision will work is as follows: a Certificate may provide that on or after age 65, the Face Amount will be reduced to 65% of the Face Amount in effect on the day before the Insured’s 65th birthday (the “pre-65 Face Amount”). At age 70, the Face Amount will be 45% of the pre-65 Face Amount, at age 75, the Face Amount will be 30% of the pre-65 Face Amount and at age 80 or older, the Face Amount will be 20% of the pre-65 Face Amount. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A decrease in the Face Amount will result in a decrease in Death Benefit. If, following a decrease in Face Amount, the Certificate would not comply with the maximum premium limitations required by federal law, we will (at your election) either limit the decrease or return Cash Value to the Owner to the extent necessary to meet those requirements.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">ADDITIONAL BENEFITS AND RIDERS </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">In addition to the standard death benefit associated with your Certificate, other standard and/or optional benefits may also be available to you. The following table summarizes information about those benefits. Information about the fees associated with each benefit included in the table may be found in the Fee Table. We currently offer the following riders under the Certificate, subject to state availability:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:161.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Monthly </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Deductions Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">waiver of monthly deductions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Insured is totally </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">disabled, including cost of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance and monthly </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certificate expense charges, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">upon proof of disability.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Insured must have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">become disabled before age </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">60.</span></div></div></td></tr> <tr style="height:197.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dependent Life Benefit </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider — Child</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides term </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death for any insured child.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected rider </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit, you may also need to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be on active status. You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should ask your Employer if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this benefit is included and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">whether you need to be on </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status in order to elect </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">it.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate issue may be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to underwriting.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:185.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Spouse's Life Insurance </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death of the Insured’s </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected benefit, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you may also need to be on </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included and whether you </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">need to be on active status in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">order to elect it.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate issue may be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to underwriting.</span></div></div></td></tr> <tr style="height:167pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accelerated Benefits Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Under this rider, you may </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">receive an accelerated </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of a portion of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit if the Insured is </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">terminally ill and expected to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">die within less than 12 </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">months (subject to state </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Payment under this rider may </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affect eligibility for benefits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under state or federal law.</span></div></div></td></tr> <tr style="height:113.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accidental Death and </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dismemberment Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of an insurance </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if the Insured sustains </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">an accidental injury that is </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the direct and sole cause of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Insured’s death or the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insured’s loss of a body part </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or bodily function.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:185.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Paid-Up Certificate Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Terminates the death benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(and any riders in effect) and </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">uses all or part of the Cash </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Surrender Value as a single </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premium for a “paid-up” </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The paid-up benefit must not </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be more than can be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchased using the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cash Surrender </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value, more than the death </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit under the Certificate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">at the time you choose to use </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this provision, or less than </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$10,000.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Once you have elected a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">paid-up benefit, you may no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">longer allocate Cash Value to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Separate Account or the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Account.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Will Preparation Service </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a will </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service available </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to you (subject to state </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The will </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service rider is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Resolution Services </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services in the event </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you or your Spouse dies </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(subject to state variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services are made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Digital Estate Planning </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a Digital </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available to you (subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">state variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The Digital </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span></div></div></td></tr> <tr style="height:77.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bereavement Services Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services are </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available by a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">third-party provider.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:77.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Grief Counseling Services </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">grief counseling services to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The grief </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">counseling services are made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available by a third-party </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">provider.</span></div></div></td></tr> <tr style="height:71pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Funeral Services Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">funeral services to you, your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse and children.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The funeral </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">services are made available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">by a third-party provider.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dollar Cost Averaging </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Automatic Investment </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Strategy</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer a predetermined </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of money from the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Division that invests in an </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">ultra short-term fund to a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">number of available Divisions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span></div></div></td></tr> <tr style="height:65.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Automatic Portfolio </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rebalancing</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reallocate your Cash Value </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the elected Divisions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to return the allocation to the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentages you specify.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Additional Insurance Benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Waiver of Monthly Deductions Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the waiver of monthly deductions while the Insured is totally disabled, as defined in the rider. The Insured must provide proof that they are unable to perform any other job for which the Insured is fit by education, training or experience. The Insured must have become disabled before age 60. The charge under this rider is assessed by increasing the applicable cost of insurance rates.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">This waiver applies to both the GVUL insurance coverage and any associated rider coverages but does not include any optional investment premium or separate Spouse GVUL certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you are eligible for benefits under this rider, and have current premiums of $150 per month including a $50 optional investment premium, we will waive $100 per month so your life insurance coverage remains in force.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Dependent Life Benefit Rider - Child.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for term insurance on the Insured's children, as defined in the rider. The death benefit will be payable to the named Beneficiary upon the death of any insured child. Under certain conditions, the rider may be exchanged for an individual life insurance policy. The charge for this rider is assessed per $1,000 of insurance coverage provided.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you elected to purchase this rider on your children, and you have $5,000 of coverage under this rider, and your child dies while the child rider is in force, we will pay $5,000 in death benefit to the Beneficiary upon the death of the child.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Spouse's Life Insurance Benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The Spouse’s Life Insurance Benefit can be provided by rider or by a separate Certificate, depending upon what is available under your Group. This benefit provides insurance on the Employee’s Spouse, as defined in the Dependent Life Benefit Rider or Spouse Certificate as applicable. The death benefit will be payable to the named Beneficiary upon the death of the Spouse. Under certain conditions, the rider or Certificate may be exchanged for an individual life insurance policy. The charge for this benefit is assessed per $1,000 of insurance coverage provided.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you have $5,000 of coverage under this benefit, and your Spouse dies while Spouse benefit is in force, we will pay $5,000 in death benefit to the Beneficiary upon the death of the Spouse.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Accidental Death and Dismemberment Insurance Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the payment of an insurance benefit if the Insured sustains an accidental injury that is the direct and sole cause of the Insured’s death or the Insured’s loss of a body part or bodily function. The benefit amount is based on a percentage of the Certificate’s face amount and varies with the type of loss, as specified in the rider. The percentage is 100% for loss of life and generally ranges from 25% to 100% for loss of a body part or bodily function. Additional benefit amounts identified in the rider may be payable if the loss occurs and the Insured has properly used identified safety features, such as air bags and seat belts.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if your Employer has included Accidental Death and Dismemberment Insurance in your Group Insurance Plan, and your Accidental Death and Dismemberment Insurance benefit amount is $100,000, if you lose sight in one eye as defined in the Certificate rider, we will pay you $50,000.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Accelerated Benefits Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the accelerated payment of a portion of death benefit proceeds in a single sum to you if the Insured is terminally ill and expected to die within less than 12 months (subject to state variations). Any irrevocable Beneficiary and assignees of record must provide written authorization in order for the Owner to receive the accelerated benefit. The amount of the death benefit payable under the rider will equal up to 80% of the Face Amount (up to $500,000) under the Certificate on the date we receive satisfactory evidence of terminal illness as described above, less any Indebtedness. In general, rider benefits may be received tax free subject to certain limitations and conditions. You should consult a qualified tax adviser about the consequences of adding this rider to a Certificate or requesting an accelerated death benefit payment under this rider. We do not currently impose a charge for this rider. However, we reserve the right to deduct an administrative charge of $150 from the accelerated death benefit at the time it is paid.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if your Plan includes the Accelerated Benefits Rider and you are diagnosed with a terminal illness, you may elect to receive a portion of the death benefit proceeds (less any loans and loan interest) prior to the Insured’s death. At the Insured’s death, payment of the remaining life insurance proceeds will be made to the Beneficiary(ies).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Paid-Up Certificate Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. You can choose to terminate the death benefit (and any riders in effect) and use all or part of the Cash Surrender Value as a single premium for a “paid-up” benefit. (“Paid-up” means no further premiums are required). The single premium is the amount required to fund a paid-up benefit under the Certificate, that is, one that requires no further premium payments. If you choose to use only a part of the Cash Surrender Value to purchase the paid-up benefit, you will receive in cash any remaining Cash Surrender Value that you did not elect to have used as a paid-up benefit. The paid-up benefit must not be more than can be purchased </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">using the Certificate’s Cash Surrender Value, more than the death benefit under the Certificate at the time you choose to use this provision, or less than $10,000. Once you have elected a paid-up benefit, you may no longer allocate Cash Value to the Separate Account and/or the Fixed Account. There is no fee for electing a paid-up benefit. Because the death benefit under a paid-up benefit Certificate is calculated as the amount that will remain in force without payment of any further cost of insurance charges, it is generally significantly less than the Certificate’s usual death benefit. In addition, if you choose not to use all of the Cash Surrender Value toward the purchase of the paid-up benefit, the death benefit will be further reduced.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you have a Cash Surrender value of $10,000, you may terminate the death benefit and any riders in effect and purchase a paid-up benefit for $10,000 which will be payable upon the Insured's death.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If we determine that the tax status of a Certificate as life insurance is adversely affected by the addition of any of these riders, we will cease offering such riders. We deduct any charges associated with these riders as part of the monthly deduction. Please contact us for further details about these riders.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Will Preparation Service Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides you with a will preparation service (“Service”) while this rider and the Certificate are in force. This Service is made available to you, at no cost, through a MetLife affiliate (“Affiliate”). This Service provides for a will to be prepared by attorneys designated by the Affiliate for you and your Spouse. If you have a will prepared by an attorney not designated by the Affiliate, you must pay the attorney’s services directly. Upon proof of such payment, you will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount you paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you decide that you would like to have a codicil to your will prepared, this Service enables you to work one-on-one with an attorney, in-person, on the phone, or online to prepare the codicil to your will free of charge, subject to state variations.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Estate Resolution Services Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> If you or your Spouse die while this rider and the Certificate are in force, a probate benefit (the “Benefit”) will be made available to the estate of the deceased. The Benefit is available through an Affiliate. The Benefit provides for certain probate services to be made available, free of charge, by attorneys designated by the Affiliate. If probate services are provided by an attorney not designated by the Affiliate, the estate of the deceased must pay for those attorney’s services directly. Upon proof of such payment, the estate of the deceased will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount such estate paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, the executor of your estate may use the Benefit to receive unlimited consultations, either face-to-face with an attorney or by phone to assist in settling your estate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Digital Estate Planning</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. A Digital Estate Planning Platform is included with Group Variable Universal Life (GVUL) Insurance at no additional cost. MetLife has arranged for this platform to be provided by a MetLife affiliate (the "Affiliate"). This platform will be made available to Employees and their Spouses through legalplans.com/estateplanning and includes facilitation of the selection, completion and execution of common estate planning documents.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Beneficiary and Bereavement Services</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Beneficiary and Bereavement Services are included with Group Variable Universal Life (GVUL) Insurance for no additional premium. MetLife may arrange for some portion of these services to be provided to Owners and Beneficiaries by a third-party provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Grief Counseling Services Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Employees who become insured under the Group Contract are eligible to receive non-insured grief counseling services at no additional premium. MetLife has arranged for these services to be provided to Employees through a third-party service provider. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third-party service provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Funeral Services Discount Disclosure</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Employees who become insured under the Group Contract are eligible to receive discounts of up to 10% off the service provider’s standard price for certain funeral services including funeral, cremation and cemetery products and services provided by a third-party national network of funeral and funeral planning providers while such insurance remains in effect.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Automatic Investment Strategies</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Dollar Cost Averaging.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This investment strategy allows you to automatically transfer a predetermined amount of money from the Division that invests in the BlackRock Ultra-Short Term Bond Portfolio to a number of available Divisions of the Separate Account. Based on the elected investment allocations for this investment strategy, Dollar Cost Averaging occurs after the close of business on each Monthly Anniversary or after close of business on the next business day following each Monthly Anniversary should your Monthly Anniversary fall on a non-business day (weekend or holiday) as long as all other requirements are met. The portion of the Certificate’s Cash Value in the Division that invests in the BlackRock Ultra-Short Term Bond Portfolio must be greater than or equal to $1,000. The minimum total monthly transfer amount must be greater than or equal to $100.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Dollar Cost Averaging does not assure a profit or protect against a loss in declining markets. It involves continuous investment in securities regardless of price fluctuations. An investor should consider his/her ability to continue purchases in periods of low price levels.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you elected the Dollar Cost Averaging and selected $12,000 of Cash Value to be transferred from the BlackRock Ultra-Short Term Bond Portfolio Division to specified other Divisions that you choose, over a 12 month period we will transfer $1,000 each month for 12 months.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Automatic Portfolio Rebalancing. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">This investment strategy allows you to automatically reallocate your Cash Value among the elected Divisions to return the allocation to the percentages you specify. This rebalancing occurs annually after the close of business on your Certificate Anniversary or after the close of business on the next business day following your Certificate Anniversary should your Certificate Anniversary fall on a non-business day (holiday or weekend).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Annual Automatic Portfolio Rebalancing does not assure a profit or protect against a loss in declining markets.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you allocated 25% to each of four Divisions after the close of business on your Certificate Anniversary, or after the close of business on the next business day following your Certificate Anniversary should your Certificate Anniversary fall on a non-business day (holiday or weekend), we will transfer amounts among those four Divisions so that there is 25% of your Certificates Cash Value in each Division.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The automated transfers under these investment strategies will not count towards frequent transfer constraints or transfer limitations. However, we reserve the right to include them if we decide to restrict transfers under the terms of the Certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You may elect either the Dollar Cost Averaging strategy OR the Annual Automatic Portfolio Rebalancing strategy. There is no fee for participating in either strategy. You cannot participate in both strategies at the same time; however, either strategy may be discontinued at any time.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:161.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Monthly </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Deductions Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">waiver of monthly deductions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Insured is totally </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">disabled, including cost of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance and monthly </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certificate expense charges, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">upon proof of disability.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Insured must have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">become disabled before age </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">60.</span></div></div></td></tr> <tr style="height:197.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dependent Life Benefit </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider — Child</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides term </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death for any insured child.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected rider </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit, you may also need to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be on active status. You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should ask your Employer if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this benefit is included and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">whether you need to be on </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status in order to elect </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">it.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate issue may be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to underwriting.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:185.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Spouse's Life Insurance </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death of the Insured’s </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected benefit, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you may also need to be on </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included and whether you </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">need to be on active status in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">order to elect it.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate issue may be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to underwriting.</span></div></div></td></tr> <tr style="height:167pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accelerated Benefits Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Under this rider, you may </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">receive an accelerated </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of a portion of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit if the Insured is </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">terminally ill and expected to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">die within less than 12 </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">months (subject to state </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Payment under this rider may </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affect eligibility for benefits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under state or federal law.</span></div></div></td></tr> <tr style="height:113.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accidental Death and </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dismemberment Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of an insurance </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if the Insured sustains </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">an accidental injury that is </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the direct and sole cause of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Insured’s death or the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insured’s loss of a body part </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or bodily function.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:185.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Paid-Up Certificate Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Terminates the death benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(and any riders in effect) and </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">uses all or part of the Cash </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Surrender Value as a single </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premium for a “paid-up” </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The paid-up benefit must not </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be more than can be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchased using the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cash Surrender </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value, more than the death </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit under the Certificate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">at the time you choose to use </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this provision, or less than </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$10,000.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Once you have elected a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">paid-up benefit, you may no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">longer allocate Cash Value to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Separate Account or the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Account.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Will Preparation Service </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a will </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service available </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to you (subject to state </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The will </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service rider is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Resolution Services </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services in the event </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you or your Spouse dies </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(subject to state variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services are made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Digital Estate Planning </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a Digital </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available to you (subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">state variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The Digital </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span></div></div></td></tr> <tr style="height:77.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bereavement Services Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services are </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available by a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">third-party provider.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:77.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Grief Counseling Services </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">grief counseling services to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The grief </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">counseling services are made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available by a third-party </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">provider.</span></div></div></td></tr> <tr style="height:71pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Funeral Services Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">funeral services to you, your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse and children.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The funeral </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">services are made available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">by a third-party provider.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dollar Cost Averaging </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Automatic Investment </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Strategy</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer a predetermined </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of money from the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Division that invests in an </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">ultra short-term fund to a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">number of available Divisions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span></div></div></td></tr> <tr style="height:65.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Automatic Portfolio </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rebalancing</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reallocate your Cash Value </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the elected Divisions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to return the allocation to the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentages you specify.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Monthly </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Deductions Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">waiver of monthly deductions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Insured is totally </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">disabled, including cost of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance and monthly </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certificate expense charges, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">upon proof of disability.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Insured must have </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">become disabled before age </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">60.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dependent Life Benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider — Child</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides term </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death for any insured child.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected rider </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit, you may also need to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be on active status. You </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should ask your Employer if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this benefit is included and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">whether you need to be on </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status in order to elect </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">it.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate issue may be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to underwriting.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Spouse's Life Insurance </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death of the Insured’s </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected benefit, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you may also need to be on </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status. You should ask </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included and whether you </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">need to be on active status in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">order to elect it.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate issue may be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to underwriting.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accelerated Benefits Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Under this rider, you may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">receive an accelerated </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of a portion of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit if the Insured is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">terminally ill and expected to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">die within less than 12 </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">months (subject to state </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Payment under this rider may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affect eligibility for benefits </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under state or federal law.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accidental Death and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dismemberment Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of an insurance </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if the Insured sustains </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">an accidental injury that is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the direct and sole cause of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Insured’s death or the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insured’s loss of a body part </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or bodily function.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Paid-Up Certificate Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Terminates the death benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(and any riders in effect) and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">uses all or part of the Cash </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Surrender Value as a single </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premium for a “paid-up” </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The paid-up benefit must not </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be more than can be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchased using the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cash Surrender </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value, more than the death </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit under the Certificate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">at the time you choose to use </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this provision, or less than </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$10,000.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Once you have elected a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">paid-up benefit, you may no </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">longer allocate Cash Value to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Separate Account or the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Account.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Will Preparation Service </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a will </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service available </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to you (subject to state </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The will </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service rider is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Resolution Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services in the event </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you or your Spouse dies </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(subject to state variations).</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services are made </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Digital Estate Planning </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a Digital </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available to you (subject to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">state variations).</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The Digital </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bereavement Services Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available by a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">third-party provider.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Grief Counseling Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">grief counseling services to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The grief </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">counseling services are made </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available by a third-party </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">provider.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Funeral Services Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">funeral services to you, your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse and children.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The funeral </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">services are made available </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">by a third-party provider.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dollar Cost Averaging </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Automatic Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Strategy</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer a predetermined </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of money from the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Division that invests in an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">ultra short-term fund to a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">number of available Divisions.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Automatic Portfolio </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rebalancing</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reallocate your Cash Value </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the elected Divisions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to return the allocation to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentages you specify.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Waiver of Monthly Deductions Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the waiver of monthly deductions while the Insured is totally disabled, as defined in the rider. The Insured must provide proof that they are unable to perform any other job for which the Insured is fit by education, training or experience. The Insured must have become disabled before age 60. The charge under this rider is assessed by increasing the applicable cost of insurance rates.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">This waiver applies to both the GVUL insurance coverage and any associated rider coverages but does not include any optional investment premium or separate Spouse GVUL certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you are eligible for benefits under this rider, and have current premiums of $150 per month including a $50 optional investment premium, we will waive $100 per month so your life insurance coverage remains in force.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Accidental Death and Dismemberment Insurance Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the payment of an insurance benefit if the Insured sustains an accidental injury that is the direct and sole cause of the Insured’s death or the Insured’s loss of a body part or bodily function. The benefit amount is based on a percentage of the Certificate’s face amount and varies with the type of loss, as specified in the rider. The percentage is 100% for loss of life and generally ranges from 25% to 100% for loss of a body part or bodily function. Additional benefit amounts identified in the rider may be payable if the loss occurs and the Insured has properly used identified safety features, such as air bags and seat belts.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if your Employer has included Accidental Death and Dismemberment Insurance in your Group Insurance Plan, and your Accidental Death and Dismemberment Insurance benefit amount is $100,000, if you lose sight in one eye as defined in the Certificate rider, we will pay you $50,000.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Accelerated Benefits Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the accelerated payment of a portion of death benefit proceeds in a single sum to you if the Insured is terminally ill and expected to die within less than 12 months (subject to state variations). Any irrevocable Beneficiary and assignees of record must provide written authorization in order for the Owner to receive the accelerated benefit. The amount of the death benefit payable under the rider will equal up to 80% of the Face Amount (up to $500,000) under the Certificate on the date we receive satisfactory evidence of terminal illness as described above, less any Indebtedness. In general, rider benefits may be received tax free subject to certain limitations and conditions. You should consult a qualified tax adviser about the consequences of adding this rider to a Certificate or requesting an accelerated death benefit payment under this rider. We do not currently impose a charge for this rider. However, we reserve the right to deduct an administrative charge of $150 from the accelerated death benefit at the time it is paid.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if your Plan includes the Accelerated Benefits Rider and you are diagnosed with a terminal illness, you may elect to receive a portion of the death benefit proceeds (less any loans and loan interest) prior to the Insured’s death. At the Insured’s death, payment of the remaining life insurance proceeds will be made to the Beneficiary(ies).</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Paid-Up Certificate Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. You can choose to terminate the death benefit (and any riders in effect) and use all or part of the Cash Surrender Value as a single premium for a “paid-up” benefit. (“Paid-up” means no further premiums are required). The single premium is the amount required to fund a paid-up benefit under the Certificate, that is, one that requires no further premium payments. If you choose to use only a part of the Cash Surrender Value to purchase the paid-up benefit, you will receive in cash any remaining Cash Surrender Value that you did not elect to have used as a paid-up benefit. The paid-up benefit must not be more than can be purchased </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">using the Certificate’s Cash Surrender Value, more than the death benefit under the Certificate at the time you choose to use this provision, or less than $10,000. Once you have elected a paid-up benefit, you may no longer allocate Cash Value to the Separate Account and/or the Fixed Account. There is no fee for electing a paid-up benefit. Because the death benefit under a paid-up benefit Certificate is calculated as the amount that will remain in force without payment of any further cost of insurance charges, it is generally significantly less than the Certificate’s usual death benefit. In addition, if you choose not to use all of the Cash Surrender Value toward the purchase of the paid-up benefit, the death benefit will be further reduced.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you have a Cash Surrender value of $10,000, you may terminate the death benefit and any riders in effect and purchase a paid-up benefit for $10,000 which will be payable upon the Insured's death.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If we determine that the tax status of a Certificate as life insurance is adversely affected by the addition of any of these riders, we will cease offering such riders. We deduct any charges associated with these riders as part of the monthly deduction. Please contact us for further details about these riders.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Will Preparation Service Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides you with a will preparation service (“Service”) while this rider and the Certificate are in force. This Service is made available to you, at no cost, through a MetLife affiliate (“Affiliate”). This Service provides for a will to be prepared by attorneys designated by the Affiliate for you and your Spouse. If you have a will prepared by an attorney not designated by the Affiliate, you must pay the attorney’s services directly. Upon proof of such payment, you will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount you paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you decide that you would like to have a codicil to your will prepared, this Service enables you to work one-on-one with an attorney, in-person, on the phone, or online to prepare the codicil to your will free of charge, subject to state variations.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Estate Resolution Services Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> If you or your Spouse die while this rider and the Certificate are in force, a probate benefit (the “Benefit”) will be made available to the estate of the deceased. The Benefit is available through an Affiliate. The Benefit provides for certain probate services to be made available, free of charge, by attorneys designated by the Affiliate. If probate services are provided by an attorney not designated by the Affiliate, the estate of the deceased must pay for those attorney’s services directly. Upon proof of such payment, the estate of the deceased will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount such estate paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, the executor of your estate may use the Benefit to receive unlimited consultations, either face-to-face with an attorney or by phone to assist in settling your estate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Digital Estate Planning</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. A Digital Estate Planning Platform is included with Group Variable Universal Life (GVUL) Insurance at no additional cost. MetLife has arranged for this platform to be provided by a MetLife affiliate (the "Affiliate"). This platform will be made available to Employees and their Spouses through legalplans.com/estateplanning and includes facilitation of the selection, completion and execution of common estate planning documents.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Beneficiary and Bereavement Services</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Beneficiary and Bereavement Services are included with Group Variable Universal Life (GVUL) Insurance for no additional premium. MetLife may arrange for some portion of these services to be provided to Owners and Beneficiaries by a third-party provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Grief Counseling Services Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Employees who become insured under the Group Contract are eligible to receive non-insured grief counseling services at no additional premium. MetLife has arranged for these services to be provided to Employees through a third-party service provider. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third-party service provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Funeral Services Discount Disclosure</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Employees who become insured under the Group Contract are eligible to receive discounts of up to 10% off the service provider’s standard price for certain funeral services including funeral, cremation and cemetery products and services provided by a third-party national network of funeral and funeral planning providers while such insurance remains in effect.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Dollar Cost Averaging.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This investment strategy allows you to automatically transfer a predetermined amount of money from the Division that invests in the BlackRock Ultra-Short Term Bond Portfolio to a number of available Divisions of the Separate Account. Based on the elected investment allocations for this investment strategy, Dollar Cost Averaging occurs after the close of business on each Monthly Anniversary or after close of business on the next business day following each Monthly Anniversary should your Monthly Anniversary fall on a non-business day (weekend or holiday) as long as all other requirements are met. The portion of the Certificate’s Cash Value in the Division that invests in the BlackRock Ultra-Short Term Bond Portfolio must be greater than or equal to $1,000. The minimum total monthly transfer amount must be greater than or equal to $100.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Dollar Cost Averaging does not assure a profit or protect against a loss in declining markets. It involves continuous investment in securities regardless of price fluctuations. An investor should consider his/her ability to continue purchases in periods of low price levels.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you elected the Dollar Cost Averaging and selected $12,000 of Cash Value to be transferred from the BlackRock Ultra-Short Term Bond Portfolio Division to specified other Divisions that you choose, over a 12 month period we will transfer $1,000 each month for 12 months.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Automatic Portfolio Rebalancing. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">This investment strategy allows you to automatically reallocate your Cash Value among the elected Divisions to return the allocation to the percentages you specify. This rebalancing occurs annually after the close of business on your Certificate Anniversary or after the close of business on the next business day following your Certificate Anniversary should your Certificate Anniversary fall on a non-business day (holiday or weekend).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Annual Automatic Portfolio Rebalancing does not assure a profit or protect against a loss in declining markets.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you allocated 25% to each of four Divisions after the close of business on your Certificate Anniversary, or after the close of business on the next business day following your Certificate Anniversary should your Certificate Anniversary fall on a non-business day (holiday or weekend), we will transfer amounts among those four Divisions so that there is 25% of your Certificates Cash Value in each Division.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The automated transfers under these investment strategies will not count towards frequent transfer constraints or transfer limitations. However, we reserve the right to include them if we decide to restrict transfers under the terms of the Certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You may elect either the Dollar Cost Averaging strategy OR the Annual Automatic Portfolio Rebalancing strategy. There is no fee for participating in either strategy. You cannot participate in both strategies at the same time; however, either strategy may be discontinued at any time.</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">APPENDIX A: PORTFOLIOS AVAILABLE UNDER THE CERTIFICATE</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following is a list of the Portfolios currently available under the Certificate. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at dfinview.com/metlife/PUFT/MET000250. You can also request this information at no cost by calling (800) 756-0124 or by sending an email request to GVUL-eservice@metlifecommercial.com.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The current expenses and performance information below reflects fees and expenses of the Portfolios, but does not reflect the other fees and expenses that the Certificate may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio's past performance is not necessarily an indication of future performance.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">*</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The fee and expense information regarding the Portfolios was provided by those Portfolios.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following is a list of the Portfolios currently available under the Certificate. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at dfinview.com/metlife/PUFT/MET000250. You can also request this information at no cost by calling (800) 756-0124 or by sending an email request to GVUL-eservice@metlifecommercial.com.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The current expenses and performance information below reflects fees and expenses of the Portfolios, but does not reflect the other fees and expenses that the Certificate may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio's past performance is not necessarily an indication of future performance.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds New World Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* - Class 1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.57%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">28.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.53%</span></div></div></td></tr> <tr style="height:36.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds U.S. Government Securities Fund* </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">- Class 1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.95%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock Capital Appreciation Portfolio* - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock Advisors, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.56%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.07%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.80%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock Ultra-Short Term Bond Portfolio* - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock Advisors, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">4.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.09%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.10%</span></div></div></td></tr> <tr style="height:60.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Wellington Large Cap Research </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Wellington Management Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.62%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2020 Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.33%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">4.84%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.38%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2030 Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.49%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.88%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2040 Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.57%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">18.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.87%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2050 Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.08%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2060 Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr> <tr style="height:36.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco Global Equity Portfolio* - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco Advisers, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.58%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.88%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.56%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.28%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:36.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Limited-Term Bond Portfolio* -</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Associates, Inc. (T. Rowe Price or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Price Associates)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.34%</span></div></div></td></tr> <tr style="height:36.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Growth Portfolio* - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, Sayles &amp; Company, L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.21%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.19%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Aggregate Bond Index Portfolio* - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.26%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.04%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-0.64%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.75%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Mid Cap Stock Index Portfolio - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.43%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife MSCI EAFE</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index Portfolio - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">31.02%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.04%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index Portfolio - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.66%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.55%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Stock Index Portfolio* - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.27%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.13%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.53%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Total Return Portfolio* - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial Services </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.11%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.42%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.65%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Value Portfolio* - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial Services </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.29%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.11%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.27%</span></div></div></td></tr> <tr style="height:60.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset Management Strategic Bond </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Opportunities Portfolio* - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company, LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.57%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.07%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.42%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">4.03%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds New World Fund</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* - Class 1</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> 0.0057 0.2860 0.0559 0.0953 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds U.S. Government Securities Fund* </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">- Class 1</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Capital Research and Management Company</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">SM</span> 0.0025 0.0801 0.0001 0.0195 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock Capital Appreciation Portfolio* - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock Advisors, LLC</span> 0.0056 0.1319 0.1107 0.1580 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock Ultra-Short Term Bond Portfolio* - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock Advisors, LLC</span> 0.0037 0.0415 0.0309 0.0210 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Brighthouse/Wellington Large Cap Research </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio* - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Wellington Management Company </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLP</span> 0.0054 0.1591 0.1230 0.1362 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2020 Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0044 0.1333 0.0484 0.0738 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2030 Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0049 0.1552 0.0625 0.0888 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2040 Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0057 0.1879 0.0901 0.1087 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2050 Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0060 0.1979 0.0943 0.1108 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2060 Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0060 0.1983 0.0944 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco Global Equity Portfolio* - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco Advisers, Inc.</span> 0.0058 0.1588 0.0756 0.1128 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Limited-Term Bond Portfolio* -</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Associates, Inc. (T. Rowe Price or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Price Associates)</span> 0.0050 0.0571 0.0217 0.0234 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis Sayles Growth Portfolio* - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loomis, Sayles &amp; Company, L.P.</span> 0.0055 0.1521 0.1506 0.1419 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Aggregate Bond Index Portfolio* - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0026 0.0704 -0.0064 0.0175 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Mid Cap Stock Index Portfolio - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0030 0.0719 0.0881 0.1043 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife MSCI EAFE</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index Portfolio - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0037 0.3102 0.0862 0.0804 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index Portfolio - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0030 0.1266 0.0599 0.0955 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Stock Index Portfolio* - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0027 0.1759 0.1413 0.1453 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Total Return Portfolio* - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span> 0.0062 0.1111 0.0642 0.0765 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Value Portfolio* - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span> 0.0058 0.1329 0.1011 0.1027 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset Management Strategic Bond </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Opportunities Portfolio* - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Western Asset Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company, LLC</span> 0.0057 0.0907 0.0142 0.0403 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.</span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td colspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">FEES AND EXPENSES</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOCATION IN</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PROSPECTUS</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Charges for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:59pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Transaction Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may be subject to transaction charges if you surrender your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate or make a partial withdrawal. You also may be charged </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">for other transactions, such as when you make a premium payment, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer Cash Value between investment options, or exercise your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Accelerated Benefits Rider.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:136pt;"> <td rowspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Ongoing Fees and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses (annual </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">charges)</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">In addition to charges described above, an investment in the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate is subject to certain ongoing fees and expenses, including </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a mortality and expense risk charge and a monthly deduction </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">covering the cost of insurance under the Certificate, a monthly </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">administrative charge and charges for optional benefits added by </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rider. Such fees and expenses are set based on characteristics of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insured (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, the age and rate class of the covered person) as well as </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Group Contract characteristics. Please refer to the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specifications page of your Certificate for applicable rates.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You will also bear expenses associated with the Portfolios available </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under your Certificate, as shown in the following table:</span></div></div></td> <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Monthly </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deduction</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Mortality </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">and Expense Risk </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charge</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Portfolio </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and Expenses</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ANNUAL FEE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">MIN</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">MAX</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment options (Portfolio fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and expenses)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.27</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.71</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Charges for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:59pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Transaction Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may be subject to transaction charges if you surrender your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate or make a partial withdrawal. You also may be charged </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">for other transactions, such as when you make a premium payment, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer Cash Value between investment options, or exercise your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Accelerated Benefits Rider.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:136pt;"> <td rowspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Ongoing Fees and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses (annual </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">charges)</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">In addition to charges described above, an investment in the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate is subject to certain ongoing fees and expenses, including </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a mortality and expense risk charge and a monthly deduction </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">covering the cost of insurance under the Certificate, a monthly </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">administrative charge and charges for optional benefits added by </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rider. Such fees and expenses are set based on characteristics of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insured (</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">e.g.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, the age and rate class of the covered person) as well as </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Group Contract characteristics. Please refer to the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specifications page of your Certificate for applicable rates.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You will also bear expenses associated with the Portfolios available </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under your Certificate, as shown in the following table:</span></div></div></td> <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Monthly </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deduction</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Mortality </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">and Expense Risk </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charge</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Portfolio </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and Expenses</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ANNUAL FEE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">MIN</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">MAX</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment options (Portfolio fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and expenses)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.27</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.71</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> 0.0027 0.0071 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td colspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Bottom;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">RISKS</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOCATION IN</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PROSPECTUS</span></div></div></td></tr> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Risk of Loss</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in the Certificate, including loss of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">principal.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr> <tr style="height:70pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Not a Short-Term </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Certificates are designed to provide insurance protection. They </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should not be used as a short-term investment or if you need ready </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">access to cash, because you will be charged when you make </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premium payments and you will also pay a transaction fee on partial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals. In addition, withdrawals may be subject to ordinary </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income tax and tax penalties.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr> <tr style="height:70pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Risks Associated with </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment Options</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in this Certificate is subject to the risk of poor </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment performance and can vary depending on the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance of the Portfolios available under the Certificate. Each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment option (including any Fixed Account investment option) </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">has its own unique risks. You should review the investment options </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">before making an investment decision.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr> <tr style="height:111.5pt;"> <td style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Insurance Company </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Risks </span></div></div></td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investments in the Certificate are subject to the risks related to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Metropolitan Life, including any obligations (including under any </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Account investment option), guarantees, and benefits of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate, including any death benefit, that are subject to the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">claims paying ability of Metropolitan Life. If Metropolitan Life </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">experiences financial distress, it may not be able to meet its </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">obligations to you. More information about Metropolitan Life, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">including its financial strength ratings, is available upon request by </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">calling (800) 756-0124 or visiting: https://www.metlife.com/about-us/</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">corporate-profile/ratings.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:92pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Contract Lapse</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Your Certificate may lapse if you have paid an insufficient amount of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premiums or if the investment experience of the Portfolios is poor </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and the Cash Surrender Value under your Certificate is insufficient </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to cover the monthly deduction. Lapse of a Certificate on which </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">there is an outstanding loan may have adverse tax consequences. If </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Certificate lapses, no death benefit will be paid. A Certificate </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">may be reinstated if the conditions for reinstatement are met </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">including the payment of required premiums.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in the Certificate, including loss of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">principal.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Certificates are designed to provide insurance protection. They </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should not be used as a short-term investment or if you need ready </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">access to cash, because you will be charged when you make </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premium payments and you will also pay a transaction fee on partial </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals. In addition, withdrawals may be subject to ordinary </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income tax and tax penalties.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in this Certificate is subject to the risk of poor </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment performance and can vary depending on the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance of the Portfolios available under the Certificate. Each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment option (including any Fixed Account investment option) </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">has its own unique risks. You should review the investment options </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">before making an investment decision.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investments in the Certificate are subject to the risks related to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Metropolitan Life, including any obligations (including under any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Account investment option), guarantees, and benefits of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate, including any death benefit, that are subject to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">claims paying ability of Metropolitan Life. If Metropolitan Life </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">experiences financial distress, it may not be able to meet its </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">obligations to you. More information about Metropolitan Life, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">including its financial strength ratings, is available upon request by </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">calling (800) 756-0124 or visiting: https://www.metlife.com/about-us/</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">corporate-profile/ratings.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Your Certificate may lapse if you have paid an insufficient amount of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premiums or if the investment experience of the Portfolios is poor </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and the Cash Surrender Value under your Certificate is insufficient </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to cover the monthly deduction. Lapse of a Certificate on which </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">there is an outstanding loan may have adverse tax consequences. If </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Certificate lapses, no death benefit will be paid. A Certificate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">may be reinstated if the conditions for reinstatement are met </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">including the payment of required premiums.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Owners may transfer Cash Value between and among the Divisions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and the Fixed Account. At the present time, no charge is assessed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">against the Cash Value of a Certificate when amounts are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transferred among the Divisions of the Separate Account and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">between the Divisions and the Fixed Account, but we reserve the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">right to impose a charge of $25 to cover administrative costs </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">incurred in processing any transfer in excess of 12 in a Certificate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Year. The maximum amount that can be withdrawn in any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate Year (through partial withdrawals or transfers) from the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Account is 25% of the largest amount in the Fixed Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">over the last four Certificate Years (or since the Effective Date of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate if the Certificate has been in effect for less than four </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate Years). We are currently not enforcing this restriction for </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">partial withdrawals. Restrictions may apply to frequent transfers.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Metropolitan Life reserves the right to remove or substitute </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolios as investment options that are available under the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional benefit availability is subject to your Employer making the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit available. Depending upon your Employer’s requirements, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certain Certificate benefits may only be able to be added to in force </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificates during the Employer’s annual enrollment. With respect </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to the dependent life benefit (child coverage, or the Spouse </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate), depending upon your Employer’s elected optional </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit, you may also need to be on active status. You should check </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">with your Employer regarding the availability of optional benefits </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and whether you need to be on active status to elect the dependent </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">life benefit (child coverage, or the Spouse</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate).</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Consult with a tax professional to determine the tax implications of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">an investment in and payments received under this Certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawals may be subject to ordinary income tax, and may be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to tax penalties.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lapse of a Certificate on which there is an outstanding loan may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">have adverse tax consequences.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Your investment professional may receive compensation relating to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your ownership of a Certificate. These investment professionals may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">have a financial incentive to offer or recommend the Certificate over </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">another investment.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Some investment professionals may have a financial incentive to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">offer you a new policy in place of your current Certificate. You should </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">only exchange your Certificate if you determine, after comparing the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">features, fees, and risks of both policies, that it is better for you to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchase the new policy rather than continue to own your existing </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate.</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">FEE TABLES</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Certificate. We may charge fees and use rates that are lower than the maximum guaranteed charges reflected in the tables. The Employer chooses which charges, Group A, Group B or Group C, will apply to the Certificates issued to the Employees of the Employer. Please refer to your Certificate specification page for information about the specific fees you will pay each year based on the options you have elected.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The first table describes the fees and expenses that you will pay at the time that you buy the Certificate, surrender or make withdrawals from the Certificate, or transfer Cash Value between investment options.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Transaction Fees</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Amount Deducted</span></div></div></td></tr> <tr style="height:13pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium Payment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group B</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group C</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> explicit </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Partial Withdrawal Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon each partial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">withdrawal from the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certificate</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon transfer in </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">excess of 12 in a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certificate Year</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per transfer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:36.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated Benefits Rider </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">At the time an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">accelerated death </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">benefit is paid</span></div></div></td> <td colspan="3" style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">150</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Certificates issued under a Group C charge structure, the premium tax charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Certificates.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The partial withdrawal charge is equal to the lesser of $25 or 2% of the amount of the withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not currently impose this charge.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The next table describes the fees and expenses that you will pay periodically during the time that you own the Certificate not including Portfolio fees and expenses.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Periodic Charges Other Than Annual Portfolio Expenses </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Charges:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.30</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">43.79</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:28pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.76 per $1,000 net amount at risk</span></div></div></td></tr> <tr style="height:13pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group B</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group C</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.50</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> explicit </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> explicit </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mortality and Expense Risk Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Daily</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.90</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">% (annually) of the net assets of each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Division of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Separate Account</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Interest Spread</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(6)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annually</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"><span style="-sec-ix-hidden:x_47fb26bd-ea42-4c78-ba1c-7ed8b3f615eb">2.0</span></span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Charges:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly Deductions Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7), (8)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.31</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:28pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.00 per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dependent Life Benefit Rider – Child</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.41</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of coverage</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse Certificate</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.30</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">43.79</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:28pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(9)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.76 per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Accidental Death and Dismemberment </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insurance Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.30</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">43.79</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:27.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.76 per $1,000 of net amount at risk</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cost of insurance charges vary based on the Insured’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Attained Age and rate class. The cost of insurance charge will also vary depending on which charge structure the Employer has chosen for the Certificates. The cost of insurance charge is greater for participants in a Plan that uses a Group B or Group C charge structure than those in a Plan that uses a Group A charge structure. The cost of insurance charges shown in the table may not be typical of the charges you will pay. Your Certificate will indicate the charge structure applicable to your Certificate. More detailed information concerning your cost of insurance charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A representative Insured is a person with an attained age of 43, actively at work.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum administrative charge we can apply to any Certificate can vary but will not exceed the amounts in the table. Please refer to the specifications pages of your Certificate for the administrative charge that applies to your Certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Certificates issued under a Group B or Group C charge structure, the administrative charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Certificates.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Mortality and Expense Risk Charge is currently 0.00% (annually) of the net assets of each Division of the Separate Account.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">While the amount we charge you is guaranteed not to exceed 8% annually and the amount we credit is guaranteed not to be lower than the guaranteed minimum annual rate in effect on the issue date of your Group Policy, which in no event will be lower than 1%. We also guarantee that the Loan Interest Spread will not be greater than 2%.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(7)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges for this benefit vary based on the Insured’s individual characteristics. The benefit charges shown in the table may not be representative of the charge that you will pay. Your Certificate will indicate the charges applicable to your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certificate. More detailed information concerning your charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(8)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum charge for this rider does not increase the maximum charge outlined under the maximum charge of the Cost of Insurance Charge. Similarly, the charge for a representative insured is also $0.00 per $1,000 of the net amount at risk because the charge is included in the current Cost of Insurance Charge.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(9)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Spouse Certificate, a representative Insured is an Employee’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Spouse that has an attained age of 43.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The next table shows the minimum and maximum total operating expenses charged by the Portfolios that you may pay periodically during the time that you own the Certificate. A complete list of the Portfolios available under the Certificate, including their annual expenses, may be found in Appendix A at the back of this document.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Annual Portfolio Expenses </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:362.45pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:61.41pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:62.14pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:362.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio Expenses </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(as a percentage of average net assets)</span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio assets, including management fees, </span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:61.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.27</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:62.14pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.71</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Transaction Fees</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Amount Deducted</span></div></div></td></tr> <tr style="height:13pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium Payment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group B</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group C</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> explicit </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Partial Withdrawal Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon each partial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">withdrawal from the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certificate</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon transfer in </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">excess of 12 in a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certificate Year</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per transfer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:36.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated Benefits Rider </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">At the time an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">accelerated death </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">benefit is paid</span></div></div></td> <td colspan="3" style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">150</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Certificates issued under a Group C charge structure, the premium tax charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Certificates.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The partial withdrawal charge is equal to the lesser of $25 or 2% of the amount of the withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not currently impose this charge.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium Payment</span> 0.0225 0.0225 0 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Partial Withdrawal Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon each partial </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">withdrawal from the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certificate</span> 25 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon transfer in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">excess of 12 in a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certificate Year</span> 25 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated Benefits Rider </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">At the time an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">accelerated death </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">benefit is paid</span> 150 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Certificates issued under a Group C charge structure, the premium tax charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Certificates.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The partial withdrawal charge is equal to the lesser of $25 or 2% of the amount of the withdrawal.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not currently impose this charge.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Periodic Charges Other Than Annual Portfolio Expenses </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Charges:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.30</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">43.79</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:28pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.76 per $1,000 net amount at risk</span></div></div></td></tr> <tr style="height:13pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group B</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Group C</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.50</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> explicit </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> explicit </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mortality and Expense Risk Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Daily</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.90</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">% (annually) of the net assets of each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Division of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Separate Account</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Interest Spread</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(6)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annually</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"><span style="-sec-ix-hidden:x_47fb26bd-ea42-4c78-ba1c-7ed8b3f615eb">2.0</span></span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Charges:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly Deductions Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7), (8)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.10</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.31</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:28pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.00 per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dependent Life Benefit Rider – Child</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.41</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of coverage</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse Certificate</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.30</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">43.79</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:28pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(9)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.76 per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Accidental Death and Dismemberment </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insurance Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Charge</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.30</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">43.79</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:27.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;margin-top:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.76 per $1,000 of net amount at risk</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cost of insurance charges vary based on the Insured’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Attained Age and rate class. The cost of insurance charge will also vary depending on which charge structure the Employer has chosen for the Certificates. The cost of insurance charge is greater for participants in a Plan that uses a Group B or Group C charge structure than those in a Plan that uses a Group A charge structure. The cost of insurance charges shown in the table may not be typical of the charges you will pay. Your Certificate will indicate the charge structure applicable to your Certificate. More detailed information concerning your cost of insurance charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A representative Insured is a person with an attained age of 43, actively at work.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum administrative charge we can apply to any Certificate can vary but will not exceed the amounts in the table. Please refer to the specifications pages of your Certificate for the administrative charge that applies to your Certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Certificates issued under a Group B or Group C charge structure, the administrative charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Certificates.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Mortality and Expense Risk Charge is currently 0.00% (annually) of the net assets of each Division of the Separate Account.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">While the amount we charge you is guaranteed not to exceed 8% annually and the amount we credit is guaranteed not to be lower than the guaranteed minimum annual rate in effect on the issue date of your Group Policy, which in no event will be lower than 1%. We also guarantee that the Loan Interest Spread will not be greater than 2%.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(7)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges for this benefit vary based on the Insured’s individual characteristics. The benefit charges shown in the table may not be representative of the charge that you will pay. Your Certificate will indicate the charges applicable to your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certificate. More detailed information concerning your charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(8)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum charge for this rider does not increase the maximum charge outlined under the maximum charge of the Cost of Insurance Charge. Similarly, the charge for a representative insured is also $0.00 per $1,000 of the net amount at risk because the charge is included in the current Cost of Insurance Charge.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(9)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Spouse Certificate, a representative Insured is an Employee’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Spouse that has an attained age of 43.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">1)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 0.0030 0.4379 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.76 per $1,000 net amount at risk</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 6.50 0 0 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mortality and Expense Risk Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Daily</span> 0.0090 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Interest Spread</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(6)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annually</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly Deductions Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7), (8)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 0.0010 0.0031 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.00 per $1,000 of net amount at risk</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dependent Life Benefit Rider – Child</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 0.0041 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse Certificate</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 0.0030 0.4379 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(9)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.76 per $1,000 of net amount at risk</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Accidental Death and Dismemberment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insurance Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 0.0030 0.4379 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.76 per $1,000 of net amount at risk</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cost of insurance charges vary based on the Insured’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Attained Age and rate class. The cost of insurance charge will also vary depending on which charge structure the Employer has chosen for the Certificates. The cost of insurance charge is greater for participants in a Plan that uses a Group B or Group C charge structure than those in a Plan that uses a Group A charge structure. The cost of insurance charges shown in the table may not be typical of the charges you will pay. Your Certificate will indicate the charge structure applicable to your Certificate. More detailed information concerning your cost of insurance charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A representative Insured is a person with an attained age of 43, actively at work.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum administrative charge we can apply to any Certificate can vary but will not exceed the amounts in the table. Please refer to the specifications pages of your Certificate for the administrative charge that applies to your Certificate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Certificates issued under a Group B or Group C charge structure, the administrative charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Certificates.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Certificates issued under a Group B or Group C charge structure, the administrative charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Certificates.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Mortality and Expense Risk Charge is currently 0.00% (annually) of the net assets of each Division of the Separate Account.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">While the amount we charge you is guaranteed not to exceed 8% annually and the amount we credit is guaranteed not to be lower than the guaranteed minimum annual rate in effect on the issue date of your Group Policy, which in no event will be lower than 1%. We also guarantee that the Loan Interest Spread will not be greater than 2%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges for this benefit vary based on the Insured’s individual characteristics. The benefit charges shown in the table may not be representative of the charge that you will pay. Your Certificate will indicate the charges applicable to your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Certificate. More detailed information concerning your charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(8)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum charge for this rider does not increase the maximum charge outlined under the maximum charge of the Cost of Insurance Charge. Similarly, the charge for a representative insured is also $0.00 per $1,000 of the net amount at risk because the charge is included in the current Cost of Insurance Charge.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For the Spouse Certificate, a representative Insured is an Employee’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Spouse that has an attained age of 43.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:362.45pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:61.41pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:62.14pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:362.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio Expenses </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(as a percentage of average net assets)</span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio assets, including management fees, </span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:61.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.27</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:62.14pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.71</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio Expenses </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(as a percentage of average net assets)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio assets, including management fees, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span> 0.0027 0.0071 <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">PRINCIPAL RISKS</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Investment Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you invest your Cash Value in one or more Divisions of the Separate Account, then you will be subject to the risk that the investment performance of the Divisions will be unfavorable and that the Cash Value will decrease. An investment in this Certificate is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the Certificate. Each investment option (including the Fixed Account option) has its own unique risks. You should review the investment options before making an investment decision. A comprehensive discussion of the risks of each of the Portfolios may be found in each Portfolio's prospectus. Please refer to the prospectuses for the Portfolios for more information. There is no assurance that any of the Portfolios will achieve its stated investment objective. In addition, we deduct Certificate fees and charges from your Cash Value, which can significantly reduce your Cash Value. During times of poor investment performance, this deduction will have an even greater impact on your Cash Value. You </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">could</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> lose everything you invest and your Certificate could lapse without value, unless you pay additional premium. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you allocate premiums to the Fixed Account, then we credit your Cash Value in the Fixed Account with a declared rate of interest. You assume the risk that the interest rate on the Fixed Account may decrease, although it will never be lower than the guaranteed minimum annual rate in effect on the issue date of your Group Policy, which in no event will be lower than 1%.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Risk of an Increase in Current Fees and Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Certain fees and expenses currently are assessed at less than their guaranteed maximum levels. In the future, we may increase these current charges up to the guaranteed (that is, maximum) levels. If fees and expenses are increased, you may need to increase the amount and/or frequency of premiums to keep the Certificate in force.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Certificate Lapse</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If your Cash Surrender Value is not enough to pay the monthly deduction and other charges, your Certificate may enter a 62-day grace period. We will notify you that the Certificate will lapse (terminate without value) unless you make sufficient payment during the grace period. Your Certificate also may lapse if your Indebtedness exceeds your </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Cash Value on any Monthly Anniversary. If either of these situations occurs, your Certificate will be in default and you must pay a specified amount of new premium to prevent your Certificate from lapsing. Subject to certain conditions and our underwriting rules, you may reinstate a lapsed Certificate within three years after the date of lapse and before the Maturity Date. In certain situations your Certificate may also terminate if your Employer ends its participation in the Group Policy.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Limitations on Access to Cash Value</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We limit partial withdrawals of Cash Value from the Certificates to amounts not less than $200 and we reserve the right to limit withdrawals you request from the Fixed Account, to not more than the 25% of the largest amount in the Fixed Account over the last four Certificate Years (or since the Effective Date of the Certificate if the Certificate has been in effect for less than four Certificate Years).</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Limitations on Transfers</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We do not currently charge for transfers, but we reserve the right to charge up to $25 per transfer to cover administrative costs incurred in processing any transfer in excess of 12 in a Certificate Year, except for transfers under the Automated Investment Strategies. We have adopted procedures to limit excessive transfer activity. In addition, each Fund may restrict or refuse certain transfers among, or purchases of shares in their Portfolios as a result of certain market timing activities. You should read each Portfolio's prospectus for more details. The minimum amount you must transfer is $200 or, if less, the total amount in an investment option. We are not currently enforcing this restriction for transfers from the Fixed Account but reserve the right to do so in the future. We reserve the right to limit transfers from the Fixed Account in any Certificate Year to 25% of the largest amount in the Fixed Account over the last four Certificate Years (or since the Effective Date of the Certificate if the Certificate has been in effect for less than four Certificate Years).</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Tax Treatment</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">To qualify as a life insurance contract for federal income tax purposes and to receive the tax treatment normally accorded life insurance contracts under federal tax law, a Certificate must satisfy certain requirements which are set forth in the Internal Revenue Code (the “Code”). Guidance as to how these requirements are to be applied is limited. Nevertheless, we believe that the Certificate should satisfy the applicable requirements. If it is subsequently determined that a Certificate does not satisfy the applicable requirements, we may take appropriate steps to bring the Certificate into compliance with such requirements and we reserve the right to restrict Certificate transactions in order to do so. The insurance proceeds payable upon death of the Insured will never be less than the minimum amount required for a Certificate to be treated as life insurance under Section 7702 of the Code, as in effect on the date the Certificate was issued. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Depending on the total amount of premiums you pay, the Certificate may be treated as a “modified endowment contract” (“MEC”) under federal tax laws. If a Certificate is treated as a MEC, then surrenders, partial withdrawals, and loans under the Certificate will be taxable as ordinary income to the extent there are earnings in the Certificate. In addition, a 10% penalty tax may be imposed on surrenders, partial withdrawals, and loans taken before you reach age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under current federal income tax law, the taxable portion of distributions from variable life contracts is taxed at ordinary income tax rates and does not qualify for the reduced tax rate applicable to long-term capital gains and dividends. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You should consult a qualified tax adviser for assistance in all Certificate-related tax matters.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Surrender and Partial Withdrawals (Short-Term Investment Risk)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We designed the Certificate to meet long-term financial goals. To best realize the benefits available through the Certificate, including the benefit of tax deferred build-up of Cash Value, you should purchase the Certificate only if you have the financial ability to keep it in force for a substantial period of time. You should not purchase the Certificate if you intend to surrender all or part of the Certificate in the near future. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The Certificate is not suitable as a short-term savings vehicle.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> A surrender, in whole or in part, may have tax consequences and may increase the risk that your Certificate will lapse. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We assess a partial withdrawal transaction charge equal to the lesser of $25 or 2% of the amount withdrawn. A partial withdrawal may reduce the Face Amount as well as the death benefit. In certain circumstances, the reduction of the death benefit resulting from a partial withdrawal also may affect the cost of insurance charge and the amount of insurance protection afforded under a Certificate. Partial withdrawals may have tax consequences and may increase the risk that your Certificate will lapse.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Loans</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A Certificate Loan, whether or not repaid, will affect Cash Value over time because we subtract the amount of the Certificate Loan from the Divisions of the Separate Account and/or the Fixed Account and hold that amount in the Loan Account. This loan collateral does not participate in the investment performance of the Divisions of the Separate Account. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We reduce the amount we pay on the Insured’s death, surrender, or the maturity of the Certificate, by the amount of any Indebtedness. Your Certificate may lapse (terminate without value) if the Indebtedness exceeds the Cash Value on any Monthly Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A Certificate Loan may have tax consequences. If you surrender the Certificate or allow the Certificate to lapse or if the Certificate terminates while a Certificate Loan is outstanding, the amount of the outstanding Indebtedness, to the extent it has not previously been taxed, will be added to any amount you receive and taxed accordingly.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Pandemics and Other Public Health Issues, and Other Events</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Pandemics and other public health issues or other events, and governmental, business, and consumer reactions to them, may affect economic conditions and may cause a large number of illnesses or deaths. Hurricanes, windstorms, earthquakes, hail, tornadoes, explosions, severe winter weather, fires, floods and mudslides, blackouts and man-made events such as riot, insurrection, terrorist attacks or acts of war may also cause catastrophic losses and increased claims. Any such catastrophes may also result in changes in consumer or business confidence, behavior and investment and business activity, changes to interest rates and other market risk factors, and governmental or other restrictions on economic activity for prolonged periods.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Cybersecurity</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Our business is highly dependent upon the effective operation of our information systems, and those of our service providers, vendors, and other third parties. Cybersecurity breaches of such systems can be intentional or unintentional events, and can occur through unauthorized access to computer systems, networks or devices; infection from computer viruses or other malicious software code; or attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality and our disaster recovery systems may be insufficient to safeguard our ability to conduct business. Cybersecurity breaches can interfere with our processing of Certificate transactions, including the processing of transfer orders from our website or with the </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Portfolios; impact our ability to calculate the Cash Value in each Division; cause the release and possible loss or destruction of confidential Owner or business information; impede order processing or cause other operational issues; and result in regulatory enforcement actions or new laws or regulations which could increase our compliance costs. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, and we require our critical vendors to implement effective cybersecurity and data protection measures, there is no guarantee that we will be able to successfully manage this risk at all times.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Terrorism and Security Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The continued threat of terrorism, ongoing or potential military conflict and other actions, and heightened security measures may cause economic uncertainty and result in loss of life, property damage, additional disruptions to commerce and reduced economic activity. The value of MetLife's investment portfolio may be adversely affected by declines in the credit and equity markets and reduced economic activity caused by such threats. Companies in which we maintain investments may suffer losses as a result of financial, commercial or economic disruptions, and such disruptions might affect the ability of those companies to pay interest or principal on their securities or mortgage loans. Terrorist or military actions also could disrupt our operations centers and result in higher than anticipated claims under our insurance policies.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Insurance Company Risks</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Certificates are subject to the risks related to Metropolitan Life. Any obligations (including under any Fixed Account investment option), guarantees, and benefits of the Certificate are subject to the claims paying ability of Metropolitan Life. If Metropolitan Life experiences financial distress, it may not be able to meet its obligations to you. More information about Metropolitan Life, including its financial strength ratings, is available upon request by calling (800) 756-0124 or by visiting www.metlife.com/about-us/corporate-profile/ratings.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Technology Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Our business operations rely on functioning and secure information systems, including those of our vendors and other third parties. Technological changes present us with new or intensified challenges, and if we are unable to foresee or adapt to these changes, our business may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Technological changes may affect our business model and how we interact with our customers. The growth and availability of AI technologies, including generative AI, presents significant opportunities but also complex challenges; these include balancing and mitigating potential risks of harm posed by the development or deployment of AI technologies, as well as implementing and maintaining controls reasonably designed to ensure compliance with an increasingly complex AI regulatory landscape, with evolving requirements that may vary across jurisdictions. We may fail to adopt new technologies as effectively or efficiently as others, leading to competitive harm. If we are unable to update our business model to match evolving consumer preferences or the evolving technological landscape, we may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">New technologies may impact the configuration of our information systems, and how they connect with those of our vendors, service providers and/or partners. Such technological developments may introduce or uncover information security vulnerabilities, which may result in breaches, increased costs associated with maintaining appropriate data privacy, data protection, and cybersecurity measures, enforcement actions against us by regulators or other outcomes that may adversely impact our operations or business. In addition, any such vulnerability that results in a security breach or failure of our information systems, or those of third parties on which we rely, may result in litigation, regulatory action, negative impacts to our business operations, and reputational harm.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Investment Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you invest your Cash Value in one or more Divisions of the Separate Account, then you will be subject to the risk that the investment performance of the Divisions will be unfavorable and that the Cash Value will decrease. An investment in this Certificate is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the Certificate. Each investment option (including the Fixed Account option) has its own unique risks. You should review the investment options before making an investment decision. A comprehensive discussion of the risks of each of the Portfolios may be found in each Portfolio's prospectus. Please refer to the prospectuses for the Portfolios for more information. There is no assurance that any of the Portfolios will achieve its stated investment objective. In addition, we deduct Certificate fees and charges from your Cash Value, which can significantly reduce your Cash Value. During times of poor investment performance, this deduction will have an even greater impact on your Cash Value. You </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">could</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> lose everything you invest and your Certificate could lapse without value, unless you pay additional premium. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you allocate premiums to the Fixed Account, then we credit your Cash Value in the Fixed Account with a declared rate of interest. You assume the risk that the interest rate on the Fixed Account may decrease, although it will never be lower than the guaranteed minimum annual rate in effect on the issue date of your Group Policy, which in no event will be lower than 1%.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Risk of an Increase in Current Fees and Expenses</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Certain fees and expenses currently are assessed at less than their guaranteed maximum levels. In the future, we may increase these current charges up to the guaranteed (that is, maximum) levels. If fees and expenses are increased, you may need to increase the amount and/or frequency of premiums to keep the Certificate in force.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Certificate Lapse</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If your Cash Surrender Value is not enough to pay the monthly deduction and other charges, your Certificate may enter a 62-day grace period. We will notify you that the Certificate will lapse (terminate without value) unless you make sufficient payment during the grace period. Your Certificate also may lapse if your Indebtedness exceeds your </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Cash Value on any Monthly Anniversary. If either of these situations occurs, your Certificate will be in default and you must pay a specified amount of new premium to prevent your Certificate from lapsing. Subject to certain conditions and our underwriting rules, you may reinstate a lapsed Certificate within three years after the date of lapse and before the Maturity Date. In certain situations your Certificate may also terminate if your Employer ends its participation in the Group Policy.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Limitations on Access to Cash Value</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We limit partial withdrawals of Cash Value from the Certificates to amounts not less than $200 and we reserve the right to limit withdrawals you request from the Fixed Account, to not more than the 25% of the largest amount in the Fixed Account over the last four Certificate Years (or since the Effective Date of the Certificate if the Certificate has been in effect for less than four Certificate Years).</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Limitations on Transfers</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We do not currently charge for transfers, but we reserve the right to charge up to $25 per transfer to cover administrative costs incurred in processing any transfer in excess of 12 in a Certificate Year, except for transfers under the Automated Investment Strategies. We have adopted procedures to limit excessive transfer activity. In addition, each Fund may restrict or refuse certain transfers among, or purchases of shares in their Portfolios as a result of certain market timing activities. You should read each Portfolio's prospectus for more details. The minimum amount you must transfer is $200 or, if less, the total amount in an investment option. We are not currently enforcing this restriction for transfers from the Fixed Account but reserve the right to do so in the future. We reserve the right to limit transfers from the Fixed Account in any Certificate Year to 25% of the largest amount in the Fixed Account over the last four Certificate Years (or since the Effective Date of the Certificate if the Certificate has been in effect for less than four Certificate Years).</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Tax Treatment</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">To qualify as a life insurance contract for federal income tax purposes and to receive the tax treatment normally accorded life insurance contracts under federal tax law, a Certificate must satisfy certain requirements which are set forth in the Internal Revenue Code (the “Code”). Guidance as to how these requirements are to be applied is limited. Nevertheless, we believe that the Certificate should satisfy the applicable requirements. If it is subsequently determined that a Certificate does not satisfy the applicable requirements, we may take appropriate steps to bring the Certificate into compliance with such requirements and we reserve the right to restrict Certificate transactions in order to do so. The insurance proceeds payable upon death of the Insured will never be less than the minimum amount required for a Certificate to be treated as life insurance under Section 7702 of the Code, as in effect on the date the Certificate was issued. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Depending on the total amount of premiums you pay, the Certificate may be treated as a “modified endowment contract” (“MEC”) under federal tax laws. If a Certificate is treated as a MEC, then surrenders, partial withdrawals, and loans under the Certificate will be taxable as ordinary income to the extent there are earnings in the Certificate. In addition, a 10% penalty tax may be imposed on surrenders, partial withdrawals, and loans taken before you reach age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under current federal income tax law, the taxable portion of distributions from variable life contracts is taxed at ordinary income tax rates and does not qualify for the reduced tax rate applicable to long-term capital gains and dividends. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You should consult a qualified tax adviser for assistance in all Certificate-related tax matters.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Surrender and Partial Withdrawals (Short-Term Investment Risk)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We designed the Certificate to meet long-term financial goals. To best realize the benefits available through the Certificate, including the benefit of tax deferred build-up of Cash Value, you should purchase the Certificate only if you have the financial ability to keep it in force for a substantial period of time. You should not purchase the Certificate if you intend to surrender all or part of the Certificate in the near future. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The Certificate is not suitable as a short-term savings vehicle.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> A surrender, in whole or in part, may have tax consequences and may increase the risk that your Certificate will lapse. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We assess a partial withdrawal transaction charge equal to the lesser of $25 or 2% of the amount withdrawn. A partial withdrawal may reduce the Face Amount as well as the death benefit. In certain circumstances, the reduction of the death benefit resulting from a partial withdrawal also may affect the cost of insurance charge and the amount of insurance protection afforded under a Certificate. Partial withdrawals may have tax consequences and may increase the risk that your Certificate will lapse.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Loans</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A Certificate Loan, whether or not repaid, will affect Cash Value over time because we subtract the amount of the Certificate Loan from the Divisions of the Separate Account and/or the Fixed Account and hold that amount in the Loan Account. This loan collateral does not participate in the investment performance of the Divisions of the Separate Account. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We reduce the amount we pay on the Insured’s death, surrender, or the maturity of the Certificate, by the amount of any Indebtedness. Your Certificate may lapse (terminate without value) if the Indebtedness exceeds the Cash Value on any Monthly Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A Certificate Loan may have tax consequences. If you surrender the Certificate or allow the Certificate to lapse or if the Certificate terminates while a Certificate Loan is outstanding, the amount of the outstanding Indebtedness, to the extent it has not previously been taxed, will be added to any amount you receive and taxed accordingly.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Pandemics and Other Public Health Issues, and Other Events</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Pandemics and other public health issues or other events, and governmental, business, and consumer reactions to them, may affect economic conditions and may cause a large number of illnesses or deaths. Hurricanes, windstorms, earthquakes, hail, tornadoes, explosions, severe winter weather, fires, floods and mudslides, blackouts and man-made events such as riot, insurrection, terrorist attacks or acts of war may also cause catastrophic losses and increased claims. Any such catastrophes may also result in changes in consumer or business confidence, behavior and investment and business activity, changes to interest rates and other market risk factors, and governmental or other restrictions on economic activity for prolonged periods.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Cybersecurity</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Our business is highly dependent upon the effective operation of our information systems, and those of our service providers, vendors, and other third parties. Cybersecurity breaches of such systems can be intentional or unintentional events, and can occur through unauthorized access to computer systems, networks or devices; infection from computer viruses or other malicious software code; or attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality and our disaster recovery systems may be insufficient to safeguard our ability to conduct business. Cybersecurity breaches can interfere with our processing of Certificate transactions, including the processing of transfer orders from our website or with the </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Portfolios; impact our ability to calculate the Cash Value in each Division; cause the release and possible loss or destruction of confidential Owner or business information; impede order processing or cause other operational issues; and result in regulatory enforcement actions or new laws or regulations which could increase our compliance costs. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, and we require our critical vendors to implement effective cybersecurity and data protection measures, there is no guarantee that we will be able to successfully manage this risk at all times.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Terrorism and Security Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The continued threat of terrorism, ongoing or potential military conflict and other actions, and heightened security measures may cause economic uncertainty and result in loss of life, property damage, additional disruptions to commerce and reduced economic activity. The value of MetLife's investment portfolio may be adversely affected by declines in the credit and equity markets and reduced economic activity caused by such threats. Companies in which we maintain investments may suffer losses as a result of financial, commercial or economic disruptions, and such disruptions might affect the ability of those companies to pay interest or principal on their securities or mortgage loans. Terrorist or military actions also could disrupt our operations centers and result in higher than anticipated claims under our insurance policies.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Insurance Company Risks</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Certificates are subject to the risks related to Metropolitan Life. Any obligations (including under any Fixed Account investment option), guarantees, and benefits of the Certificate are subject to the claims paying ability of Metropolitan Life. If Metropolitan Life experiences financial distress, it may not be able to meet its obligations to you. More information about Metropolitan Life, including its financial strength ratings, is available upon request by calling (800) 756-0124 or by visiting www.metlife.com/about-us/corporate-profile/ratings.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Technology Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Our business operations rely on functioning and secure information systems, including those of our vendors and other third parties. Technological changes present us with new or intensified challenges, and if we are unable to foresee or adapt to these changes, our business may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Technological changes may affect our business model and how we interact with our customers. The growth and availability of AI technologies, including generative AI, presents significant opportunities but also complex challenges; these include balancing and mitigating potential risks of harm posed by the development or deployment of AI technologies, as well as implementing and maintaining controls reasonably designed to ensure compliance with an increasingly complex AI regulatory landscape, with evolving requirements that may vary across jurisdictions. We may fail to adopt new technologies as effectively or efficiently as others, leading to competitive harm. If we are unable to update our business model to match evolving consumer preferences or the evolving technological landscape, we may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">New technologies may impact the configuration of our information systems, and how they connect with those of our vendors, service providers and/or partners. Such technological developments may introduce or uncover information security vulnerabilities, which may result in breaches, increased costs associated with maintaining appropriate data privacy, data protection, and cybersecurity measures, enforcement actions against us by regulators or other outcomes that may adversely impact our operations or business. In addition, any such vulnerability that results in a security breach or failure of our information systems, or those of third parties on which we rely, may result in litigation, regulatory action, negative impacts to our business operations, and reputational harm.</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">CERTIFICATE BENEFITS</span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Standard Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">As long as the Certificate remains in force, we will pay the death benefit proceeds to the Beneficiary once we receive at our Administrative Office (i) satisfactory proof of the Insured’s death, (ii) instructions on how to pay the proceeds, and (iii) any other documents, forms and information we need. We may require you to return the Certificate. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Death benefit proceeds equal: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the death benefit (described below); </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">plus </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">any additional insurance provided by rider; </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">minus </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">any unpaid monthly deductions; </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">minus </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">any outstanding Indebtedness. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">An increase in Face Amount will increase the death benefit, and a decrease in Face Amount will decrease the death benefit. We may further adjust the amount of the death proceeds under certain circumstances. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you have a rider permitting the accelerated payment of death benefit proceeds, the death benefit may be paid in a single sum before the death of the Insured, and would be less than otherwise would be paid upon the death of the Insured. </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Payment of the Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Death benefit proceeds under the Certificate ordinarily will be paid within seven days after we receive proof of the Insured’s death and all other documentation required at our Administrative Office. Payment may, however, be postponed in certain circumstances. (See “General Matters Relating to the Certificate — Postponement of Payments.”) The death benefit will be reduced by any outstanding Indebtedness and any due and unpaid monthly deduction accruing during a grace period. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We will pay the proceeds in one sum, including either by check, by placing the amount in an account that earns interest, or by any other method of payment that provides the Beneficiary with immediate and full access to the proceeds. We will pay interest on the proceeds as required by the applicable state law. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Unless otherwise requested and subject to state law, the Certificate’s death proceeds will generally be paid to the Beneficiary through a settlement option called the Total Control Account (if the death proceeds meet the required minimum). The Total Control Account is an interest-bearing account through which the Beneficiary has immediate and full access to the proceeds, with unlimited draft writing privileges. We credit interest to the account at a rate that will not be less than a guaranteed minimum annual effective rate. You may also elect to have any Certificate surrender proceeds paid into a Total Control Account established for you. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assets backing the Total Control Accounts are maintained in our General Account and are subject to the claims of our creditors. We will bear the investment experience of such assets; however, regardless of the investment experience of such assets, the interest credited to the Total Control Account will never fall below the applicable guaranteed minimum annual effective rate. Because we bear the investment experience of the assets backing the Total Control Accounts, we may receive a profit from these assets. The Total Control Account is not insured by the FDIC or any other governmental agency. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Every state has unclaimed property laws which generally declare life insurance policies to be abandoned after a period of inactivity of two to five years from the date any death benefit is due and payable. For example, if the payment of a death benefit has been triggered, and after a thorough search, we are still unable to locate the Beneficiary of the death benefit, the death benefit will be paid to the abandoned property division or unclaimed property office of the state in which the Beneficiary or the Owner last resided, as shown on our books and records. (“Escheatment” is the formal, legal name for this process.) However, the state is obligated to pay the death benefit (without interest) if your Beneficiary steps forward to claim it with the proper documentation and within certain mandated time periods. To prevent your Certificate’s death benefit from being paid to the state’s abandoned or unclaimed property office, it is important that you update your Beneficiary designation, including complete names and complete contact information, if and as it changes. You should contact our Administrative Office in order to make a change to your Beneficiary designation. </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Standard Death Benefit Options</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Certificate provides two death benefit options: a “Level Type” death benefit (“Option A”) and an “Increasing Type” death benefit (“Option B”). Under certain Plans, however, Option B may be the only death benefit option presented. We calculate the amount available under each death benefit option as of the date of the Insured’s death. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under Option A, the death benefit is: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the current Face Amount of the Certificate or, if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the applicable percentage of Cash Value on the date of death. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The applicable percentage is 250% for an Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Attained Age 40 or below on the Certificate Anniversary before the date of the Insured’s death. For Insureds with an Attained Age over 40 on that Certificate Anniversary, the percentage is lower and gradually declines with age until it reaches 100% at age 95.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under Option B, the death benefit is: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the current Face Amount plus the Cash Value of the Certificate or, if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the applicable percentage of the Cash Value on the date of death. The applicable percentage is the same as under Option A.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Which Death Benefit Option to Choose.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Owners who prefer to have favorable investment performance reflected in higher death benefits for the same Face Amount generally should select Option B. Owners who prefer to have favorable investment performance reflected in lower cost of insurance charges for the same Face Amount generally should select Option A. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The amount of the death benefit may vary with the amount of the Cash Value. Under Option A, the death benefit will vary as the Cash Value varies whenever the Cash Value multiplied by the applicable percentage exceeds the Face Amount. Under Option B, the amount of the death benefit will always vary as the Cash Value varies (but will never be less than the Face Amount).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Changing Death Benefit Options</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">After the first Certificate Anniversary, you may change the death benefit option. A request for a change must be made to our Administrative Office in writing. The effective date of such a change will be the Monthly Anniversary on or following the date we receive the change request. If an increase in Face Amount precedes or occurs concurrently with a change in death benefit option, the cost of insurance charge may be different for the amount of the increase.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Changing the death benefit option may result in a change in Face Amount. If an Owner changes from Option A to Option B, the Face Amount after the change will equal the Face Amount before the change LESS the Cash Value on the effective date of the change. Any written request to change from Option A to Option B must be accompanied by satisfactory evidence of insurability. We will not accept a change from Option A to Option B if doing so would reduce the Face Amount to less than $10,000.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If an Owner changes from Option B to Option A, the Face Amount after the change will equal the Face Amount before the change PLUS the Cash Value on the effective date of change. We will not impose any charges in connection with a change in death benefit option. Changing the death benefit option also may have tax consequences and may affect the net amount at risk over time (which would affect the monthly cost of insurance charge). However, we will not permit any change that would result in your Certificate being disqualified as a life insurance contract under Section 7702 of the Code. You should consult a tax adviser before changing death benefit options. </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Changing Face Amount</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You select the Face Amount when applying for the Certificate. Subject to certain limitations set forth below, you may increase or decrease the Face Amount of a Certificate (without changing the death benefit option) after the first Certificate Anniversary. A change in Face Amount may affect the cost of insurance rate and the net amount at risk, both of which affect your cost of insurance charge. Changing the Face Amount also may have federal income tax consequences and you should consult a tax adviser before doing so. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Face Amount Increases.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may increase the Face Amount by submitting a written request and providing satisfactory evidence of insurability. If approved, the increase will become effective on the Monthly Anniversary on or following receipt at our Administrative Office of the satisfactory evidence of insurability. The amount of the increase may not be less than $5,000, and the Face Amount may not be increased to more than the maximum Face Amount for that Certificate. Although an increase need not necessarily be accompanied by additional premium, the Cash Surrender Value in effect immediately after the increase must be sufficient to cover the next monthly deduction. If you are paying premiums under a Payroll Deduction Plan, however, you may increase the Face Amount and under certain conditions may do so without providing evidence of insurability. These conditions vary from Plan to Plan and may include a change in family status due to marriage, divorce or the addition of a child (subject to maximum increase amounts), or an increase in your salary provided you have not previously declined any such increase in your Face Amount. The conditions and requirements that apply to your Plan are set forth in the Certificate. If evidence of insurability is not required, the increase will generally become effective on the Monthly Anniversary on or following the date of the request. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Face Amount Decreases.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may decrease the Face Amount by written request to us. Any decrease in the Face Amount will become effective on the Monthly Anniversary on or following our receipt of the written request. The amount of the requested decrease must be at least $5,000 and the Face Amount remaining in force after any requested decrease may not be less than the minimum Face Amount, $10,000. If, following a decrease in Face Amount, the Certificate would not comply with the maximum premium limitations required by federal tax law, we will (at your election) either limit the decrease or return Cash Value to you to the extent necessary to meet those requirements. A decrease in the Face Amount generally will reduce the net amount at risk, which will reduce the cost of insurance charges. (See “Charges and Deductions — Cost of Insurance Charge.”) </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Mandatory Face Amount Decreases Provision.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Your Certificate may contain a provision that would reduce the Face Amount as the Insured attains various ages. The ages at which a reduction will be triggered and the amount of the reduction may vary from Plan to Plan but will apply consistently to all Certificates issued under the Plan. Please refer to your Certificate to determine if it contains this provision and if so, what ages and percentages apply. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">An example of how the provision will work is as follows: a Certificate may provide that on or after age 65, the Face Amount will be reduced to 65% of the Face Amount in effect on the day before the Insured’s 65th birthday (the “pre-65 Face Amount”). At age 70, the Face Amount will be 45% of the pre-65 Face Amount, at age 75, the Face Amount will be 30% of the pre-65 Face Amount and at age 80 or older, the Face Amount will be 20% of the pre-65 Face Amount. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A decrease in the Face Amount will result in a decrease in Death Benefit. If, following a decrease in Face Amount, the Certificate would not comply with the maximum premium limitations required by federal law, we will (at your election) either limit the decrease or return Cash Value to the Owner to the extent necessary to meet those requirements.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under Option A, the death benefit is: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the current Face Amount of the Certificate or, if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the applicable percentage of Cash Value on the date of death. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The applicable percentage is 250% for an Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Attained Age 40 or below on the Certificate Anniversary before the date of the Insured’s death. For Insureds with an Attained Age over 40 on that Certificate Anniversary, the percentage is lower and gradually declines with age until it reaches 100% at age 95.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under Option B, the death benefit is: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the current Face Amount plus the Cash Value of the Certificate or, if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the applicable percentage of the Cash Value on the date of death. The applicable percentage is the same as under Option A.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Which Death Benefit Option to Choose.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Owners who prefer to have favorable investment performance reflected in higher death benefits for the same Face Amount generally should select Option B. Owners who prefer to have favorable investment performance reflected in lower cost of insurance charges for the same Face Amount generally should select Option A. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The amount of the death benefit may vary with the amount of the Cash Value. Under Option A, the death benefit will vary as the Cash Value varies whenever the Cash Value multiplied by the applicable percentage exceeds the Face Amount. Under Option B, the amount of the death benefit will always vary as the Cash Value varies (but will never be less than the Face Amount).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">After the first Certificate Anniversary, you may change the death benefit option. A request for a change must be made to our Administrative Office in writing. The effective date of such a change will be the Monthly Anniversary on or following the date we receive the change request. If an increase in Face Amount precedes or occurs concurrently with a change in death benefit option, the cost of insurance charge may be different for the amount of the increase.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Changing the death benefit option may result in a change in Face Amount. If an Owner changes from Option A to Option B, the Face Amount after the change will equal the Face Amount before the change LESS the Cash Value on the effective date of the change. Any written request to change from Option A to Option B must be accompanied by satisfactory evidence of insurability. We will not accept a change from Option A to Option B if doing so would reduce the Face Amount to less than $10,000.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If an Owner changes from Option B to Option A, the Face Amount after the change will equal the Face Amount before the change PLUS the Cash Value on the effective date of change. We will not impose any charges in connection with a change in death benefit option. Changing the death benefit option also may have tax consequences and may affect the net amount at risk over time (which would affect the monthly cost of insurance charge). However, we will not permit any change that would result in your Certificate being disqualified as a life insurance contract under Section 7702 of the Code. You should consult a tax adviser before changing death benefit options. </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Changing Face Amount</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You select the Face Amount when applying for the Certificate. Subject to certain limitations set forth below, you may increase or decrease the Face Amount of a Certificate (without changing the death benefit option) after the first Certificate Anniversary. A change in Face Amount may affect the cost of insurance rate and the net amount at risk, both of which affect your cost of insurance charge. Changing the Face Amount also may have federal income tax consequences and you should consult a tax adviser before doing so. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Face Amount Increases.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may increase the Face Amount by submitting a written request and providing satisfactory evidence of insurability. If approved, the increase will become effective on the Monthly Anniversary on or following receipt at our Administrative Office of the satisfactory evidence of insurability. The amount of the increase may not be less than $5,000, and the Face Amount may not be increased to more than the maximum Face Amount for that Certificate. Although an increase need not necessarily be accompanied by additional premium, the Cash Surrender Value in effect immediately after the increase must be sufficient to cover the next monthly deduction. If you are paying premiums under a Payroll Deduction Plan, however, you may increase the Face Amount and under certain conditions may do so without providing evidence of insurability. These conditions vary from Plan to Plan and may include a change in family status due to marriage, divorce or the addition of a child (subject to maximum increase amounts), or an increase in your salary provided you have not previously declined any such increase in your Face Amount. The conditions and requirements that apply to your Plan are set forth in the Certificate. If evidence of insurability is not required, the increase will generally become effective on the Monthly Anniversary on or following the date of the request. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Face Amount Decreases.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may decrease the Face Amount by written request to us. Any decrease in the Face Amount will become effective on the Monthly Anniversary on or following our receipt of the written request. The amount of the requested decrease must be at least $5,000 and the Face Amount remaining in force after any requested decrease may not be less than the minimum Face Amount, $10,000. If, following a decrease in Face Amount, the Certificate would not comply with the maximum premium limitations required by federal tax law, we will (at your election) either limit the decrease or return Cash Value to you to the extent necessary to meet those requirements. A decrease in the Face Amount generally will reduce the net amount at risk, which will reduce the cost of insurance charges. (See “Charges and Deductions — Cost of Insurance Charge.”) </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Mandatory Face Amount Decreases Provision.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Your Certificate may contain a provision that would reduce the Face Amount as the Insured attains various ages. The ages at which a reduction will be triggered and the amount of the reduction may vary from Plan to Plan but will apply consistently to all Certificates issued under the Plan. Please refer to your Certificate to determine if it contains this provision and if so, what ages and percentages apply. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">An example of how the provision will work is as follows: a Certificate may provide that on or after age 65, the Face Amount will be reduced to 65% of the Face Amount in effect on the day before the Insured’s 65th birthday (the “pre-65 Face Amount”). At age 70, the Face Amount will be 45% of the pre-65 Face Amount, at age 75, the Face Amount will be 30% of the pre-65 Face Amount and at age 80 or older, the Face Amount will be 20% of the pre-65 Face Amount. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A decrease in the Face Amount will result in a decrease in Death Benefit. If, following a decrease in Face Amount, the Certificate would not comply with the maximum premium limitations required by federal law, we will (at your election) either limit the decrease or return Cash Value to the Owner to the extent necessary to meet those requirements.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">ADDITIONAL BENEFITS AND RIDERS </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">In addition to the standard death benefit associated with your Certificate, other standard and/or optional benefits may also be available to you. The following table summarizes information about those benefits. Information about </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the fees associated with each benefit included in the table may be found in the Fee Table. We currently offer the following riders under the Certificate, subject to state availability:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:161.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Monthly </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Deductions Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">waiver of monthly deductions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Insured is totally </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">disabled, including cost of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance and monthly </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certificate expense charges, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">upon proof of disability.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Insured must have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">become disabled before age </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">60.</span></div></div></td></tr> <tr style="height:203pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dependent Life Benefit Rider </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">- Child</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides term </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death for any insured child.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected rider </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit, you may also need to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be on active status. You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should ask your Employer if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this benefit is included and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">whether you need to be on </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status in order to elect </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">it.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate issue may be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to underwriting.</span></div></div></td></tr> <tr style="height:185.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Spouse Certificate</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">A Certificate may be </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchased upon the life of the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse with its own death </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit. This benefit provides </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death of the Insured’s </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected benefit, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you may also need to be on </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included and whether you </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">need to be on active status in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">order to elect it.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate issue may be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to underwriting.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:161.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accelerated Benefits Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Under this rider, you may </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">receive an accelerated </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of a portion of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit if the Insured is </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">terminally ill and expected to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">die within less than 12 </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">months (subject to state </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Payment under this rider may </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affect eligibility for benefits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under state or federal law.</span></div></div></td></tr> <tr style="height:119pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accidental Death and </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dismemberment Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of an insurance </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if the Insured sustains </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">an accidental injury that is </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the direct and sole cause of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Insured’s death or the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insured’s loss of a body part </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or bodily function.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div></div></td></tr> <tr style="height:191pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Paid-Up Certificate Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Terminates the death benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(and any riders in effect) and </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">uses all or part of the Cash </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Surrender Value as a single </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premium for a “paid-up” </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The paid-up benefit must not </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be more than can be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchased using the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cash Surrender </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value, more than the death </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit under the Certificate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">at the time you choose to use </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this provision, or less than </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$10,000.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Once you have elected a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">paid-up benefit, you may no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">longer allocate Cash Value to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Separate Account or the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Account.</span></div></div></td></tr> <tr style="height:77.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Will Preparation Service </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a will </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service available </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to you (subject to state </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The will </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service rider is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:77.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Resolution Services </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services in the event </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you or your Spouse dies </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(subject to state variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services are made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Digital Estate Planning </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a Digital </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available to you (subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">state variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The Digital </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bereavement Services Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services are </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available by a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">third-party provider.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Grief Counseling Services </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">grief counseling services to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The grief </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">counseling services are made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available by a third-party </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">provider.</span></div></div></td></tr> <tr style="height:71pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Funeral Services Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">funeral services to you, your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse and children. </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The funeral </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">services are made available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">by a third-party provider.</span></div></div></td></tr> <tr style="height:95pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dollar Cost Averaging </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Automatic Investment </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Strategy</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer a predetermined </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of money from the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Division that invests in the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money market fund or an </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">ultra short-term fund to a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">number of available Divisions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span></div></div></td></tr> <tr style="height:65.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Automatic Portfolio </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rebalancing</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reallocate your Cash Value </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the elected Divisions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to return the allocation to the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentages you specify.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Additional Insurance Benefits</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Waiver of Monthly Deductions Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the waiver of monthly deductions while the Insured is totally disabled, as defined in the rider. The Insured must provide proof that they are unable to perform any other job for which the Insured is fit by education, training or experience. The Insured must have become disabled before age 60. The charge under this rider is assessed by increasing the applicable cost of insurance rates.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">This waiver applies to both the GVUL insurance coverage and any associated rider coverages but does not include any optional investment premium or separate Spouse Certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you are eligible for benefits under this rider, and have current premiums of $150 per month including a $50 optional investment premium, we will waive $100 per month so your life insurance coverage remains in force.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Dependent Life Benefit Rider - Child coverage</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. This rider provides for term insurance on the Insured’s children as defined in the rider. The death benefit will be payable to the named Beneficiary upon the death of any insured child. Under certain conditions, the rider may be exchanged for an individual life insurance policy. The charge for this rider is assessed per $1,000 of insurance coverage provided.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you elected to purchase this rider on your children, and you have $5,000 of coverage under this rider, and your child dies while the child rider is in force, we will pay $5,000 in death benefit to the Beneficiary upon the death of the child.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Spouse Certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This Certificate provides insurance coverage under a group universal or group variable universal life certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you elected to purchase a Spouse Certificate with a $50,000 death benefit and the Spouse dies, we will pay $50,000 to the Beneficiary.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Accidental Death and Dismemberment Insurance Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the payment of an insurance benefit if the Insured sustains an accidental injury that is the direct and sole cause of the Insured’s death or the Insured’s loss of a body part or bodily function. The benefit amount is based on a percentage of the Certificate’s face amount and varies with the type of loss, as specified in the rider. The percentage is 100% for loss of life and generally ranges from 25% to 100% for loss of a body part or bodily function. Additional benefit amounts identified in the rider may be payable if the loss occurs and the Insured has properly used identified safety features, such as air bags and seat belts.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if your Employer has included Accidental Death and Dismemberment Insurance in your Group Insurance Plan, and your Accidental Death and Dismemberment Insurance benefit amount is $100,000, if you lose sight in one eye as defined in the Certificate rider, we will pay you $50,000.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Accelerated Benefits Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the accelerated payment of a portion of death benefit proceeds in a single sum to you if the Insured is terminally ill and expected to die within less than 12 months (subject to state variations). Any irrevocable Beneficiary and assignees of record must provide written authorization in order for the Owner to receive the accelerated benefit. The amount of the death benefit payable under the rider will equal up to 80% of the Face Amount (up to $500,000) under the Certificate on the date we receive satisfactory evidence of terminal illness as described above, less any Indebtedness. In general, rider benefits may be received tax free subject to certain limitations and conditions. You should consult a qualified tax adviser about the consequences of adding this rider to a Certificate or requesting an accelerated death benefit payment under this </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">rider. We do not currently impose a charge for this rider. However, we reserve the right to deduct an administrative charge of $150 from the accelerated death benefit at the time it is paid.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if your Plan includes the Accelerated Benefits Rider and you are diagnosed with a terminal illness, you may elect to receive a portion of the death benefit proceeds (less any loans and loan interest) prior to the Insured’s death. At the Insured’s death, payment of the remaining life insurance proceeds will be made to the Beneficiary(ies).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Paid-Up Certificate Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. You can choose to terminate the death benefit (and any riders in effect) and use all or part of the Cash Surrender Value as a single premium for a “paid-up” benefit. (“Paid-up” means no further premiums are required). The single premium is the amount required to fund a paid-up benefit under the Certificate, that is, one that requires no further premium payments. If you choose to use only a part of the Cash Surrender Value to purchase the paid-up benefit, you will receive in cash any remaining Cash Surrender Value that you did not elect to have used as a paid-up benefit. The paid-up benefit must not be more than can be purchased using the Certificate’s Cash Surrender Value, more than the death benefit under the Certificate at the time you choose to use this provision, or less than $10,000. Once you have elected a paid-up benefit, you may no longer allocate Cash Value to the Separate Account and/or the Fixed Account. There is no fee for electing a paid-up benefit. Because the death benefit under a paid-up benefit Certificate is calculated as the amount that will remain in force without payment of any further cost of insurance charges, it is generally significantly less than the Certificate’s usual death benefit. In addition, if you choose not to use all of the Cash Surrender Value toward the purchase of the paid-up benefit, the death benefit will be further reduced.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you have a Cash Surrender value of $10,000, you may terminate the death benefit and any riders in effect and purchase a paid-up benefit for $10,000 which will be payable upon the Insured's death.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If we determine that the tax status of a Certificate as life insurance is adversely affected by the addition of any of these riders, we will cease offering such riders. We deduct any charges associated with these riders as part of the monthly deduction. Please contact us for further details about these riders.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Will Preparation Service Rider. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">This rider provides you with a will preparation service (“Service”) while this rider and the Certificate are in force. This Service is made available to you, at no cost, through a MetLife affiliate (“Affiliate”). This Service provides for a will to be prepared by attorneys designated by the Affiliate for you and your Spouse. If you have a will prepared by an attorney not designated by the Affiliate, you must pay the attorney’s services directly. Upon proof of such payment, you will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount you paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you decide that you would like to have a codicil to your will prepared, this Service enables you to work one-on-one with an attorney, in-person, on the phone, or online to prepare the codicil to your will free of charge, subject to state variations.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Estate Resolution Services Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> If you or your Spouse die while this rider and the Certificate are in force, a probate benefit (the “Benefit”) will be made available to the estate of the deceased. The Benefit is available through an Affiliate. The Benefit provides for certain probate services to be made available, free of charge, by attorneys designated by the Affiliate. If probate services are provided by an attorney not designated by the Affiliate, the estate of the deceased must pay for those attorney’s services directly. Upon proof of such payment, the estate of the deceased will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount such estate paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, the executor of your estate may use the Benefit to receive unlimited consultations, either face-to-face with an attorney or by phone to assist in settling your estate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Digital Estate Planning</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. A Digital Estate Planning Platform is included with Group Variable Universal Life (GVUL) Insurance at no additional cost. MetLife has arranged for this platform to be provided by a MetLife affiliate (the "Affiliate"). This platform will be made available to Employees and their Spouses through legalplans.com/estateplanning and includes facilitation of the selection, completion and execution of common estate planning documents.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Beneficiary and Bereavement Services</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Beneficiary and Bereavement Services are included with Group Variable Universal Life (GVUL) Insurance for no additional premium. MetLife may arrange for some portion of these services to be provided to Owners and Beneficiaries by a third-party provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Grief Counseling Services Rider:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Employees who become insured under the Group Contract are eligible to receive non-insured grief counseling services at no additional premium. MetLife has arranged for these services to be provided to Employees through a third-party service provider. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third-party service provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Funeral Services Discount Disclosure</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Employees who become insured under the Group Contract are eligible to receive discounts of up to 10% off the service provider’s standard price for certain funeral services including funeral, cremation and cemetery products and services provided by a third-party national network of funeral and funeral planning providers while such insurance remains in effect. Employees who become insured will also have access to funeral planning resources including funeral planning tools and concierge services provided by the same national network of providers. MetLife has arranged for these services and discounts to be provided to Employees and their Spouses and children and the parents, grandparents and great-grandparents of the Employees and their Spouses for no additional premium. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third-party service provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The discounts and planning services are not available in all jurisdictions and are subject to regulatory approval.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Automatic Investment Strategies</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Dollar Cost Averaging.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This investment strategy allows you to automatically transfer a predetermined amount of money from the Division that invests in the MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;position:relative;top:-4.75pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> U.S. Government Money Market Portfolio to a number of available Divisions of the Separate Account. Based on the elected investment allocations for this investment strategy, Dollar Cost Averaging occurs after the close of business on each Monthly Anniversary or after close of business on the next business day following each Monthly Anniversary should your Monthly Anniversary fall on a non-business day (weekend or holiday) as long as all other requirements are met. The portion of the Certificate’s Cash Value in the Division that invests the MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;position:relative;top:-4.75pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> U.S. Government Money Market Portfolio must be greater than or equal to $1,000. The minimum total monthly transfer amount must be greater than or equal to $100.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Dollar Cost Averaging does not assure a profit or protect against a loss in declining markets. It involves continuous investment in securities regardless of price fluctuations. An investor should consider his/her ability to continue purchases in periods of low price levels.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you elected the Dollar Cost Averaging and selected $12,000 of Cash Value to be transferred from the MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;position:relative;top:-7.75pt;">® </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">U.S. Government Money Market Portfolio Division to specified other Divisions that you choose, over a 12 month period we will transfer $1,000 each month for 12 months.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Automatic Portfolio Rebalancing. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">This investment strategy allows you to automatically reallocate your Cash Value among the elected Divisions to return the allocation to the percentages you specify. This rebalancing occurs annually after the close of business on your Certificate Anniversary or after the close of business on the next business day following your Certificate Anniversary should your Certificate Anniversary fall on a non-business day (holiday or weekend).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Annual Automatic Portfolio Rebalancing does not assure a profit or protect against a loss in declining markets.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you allocated 25% to each of four Divisions after the close of business on your Certificate Anniversary, or after the close of business on the next business day following your Certificate Anniversary should your Certificate Anniversary fall on a non-business day (holiday or weekend), we will transfer amounts among those four Divisions so that there is 25% of your Certificate’s Cash Value in each Division.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The automated transfers under these investment strategies will not count towards frequent transfer constraints or transfer limitations. However, we reserve the right to include them if we decide to restrict transfers under the terms of the Certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You may elect either the Dollar Cost Averaging strategy OR the Annual Automatic Portfolio Rebalancing strategy. There is no fee for participating in either strategy. You cannot participate in both strategies at the same time; however, either strategy may be discontinued at any time.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:161.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Monthly </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Deductions Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">waiver of monthly deductions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Insured is totally </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">disabled, including cost of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance and monthly </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certificate expense charges, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">upon proof of disability.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Insured must have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">become disabled before age </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">60.</span></div></div></td></tr> <tr style="height:203pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dependent Life Benefit Rider </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">- Child</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides term </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death for any insured child.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected rider </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit, you may also need to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be on active status. You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should ask your Employer if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this benefit is included and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">whether you need to be on </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status in order to elect </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">it.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate issue may be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to underwriting.</span></div></div></td></tr> <tr style="height:185.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Spouse Certificate</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">A Certificate may be </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchased upon the life of the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse with its own death </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit. This benefit provides </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death of the Insured’s </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected benefit, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you may also need to be on </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included and whether you </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">need to be on active status in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">order to elect it.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate issue may be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to underwriting.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:161.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accelerated Benefits Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Under this rider, you may </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">receive an accelerated </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of a portion of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit if the Insured is </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">terminally ill and expected to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">die within less than 12 </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">months (subject to state </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Payment under this rider may </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affect eligibility for benefits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under state or federal law.</span></div></div></td></tr> <tr style="height:119pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accidental Death and </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dismemberment Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of an insurance </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if the Insured sustains </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">an accidental injury that is </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the direct and sole cause of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Insured’s death or the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insured’s loss of a body part </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or bodily function.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div></div></td></tr> <tr style="height:191pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Paid-Up Certificate Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Terminates the death benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(and any riders in effect) and </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">uses all or part of the Cash </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Surrender Value as a single </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premium for a “paid-up” </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The paid-up benefit must not </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be more than can be </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchased using the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cash Surrender </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value, more than the death </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit under the Certificate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">at the time you choose to use </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this provision, or less than </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$10,000.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Once you have elected a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">paid-up benefit, you may no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">longer allocate Cash Value to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Separate Account or the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Account.</span></div></div></td></tr> <tr style="height:77.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Will Preparation Service </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a will </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service available </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to you (subject to state </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The will </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service rider is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:77.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Resolution Services </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services in the event </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you or your Spouse dies </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(subject to state variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services are made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Digital Estate Planning </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a Digital </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available to you (subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">state variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The Digital </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bereavement Services Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services are </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available by a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">third-party provider.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Grief Counseling Services </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">grief counseling services to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The grief </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">counseling services are made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available by a third-party </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">provider.</span></div></div></td></tr> <tr style="height:71pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Funeral Services Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">funeral services to you, your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse and children. </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The funeral </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">services are made available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">by a third-party provider.</span></div></div></td></tr> <tr style="height:95pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dollar Cost Averaging </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Automatic Investment </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Strategy</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer a predetermined </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of money from the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Division that invests in the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money market fund or an </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">ultra short-term fund to a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">number of available Divisions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span></div></div></td></tr> <tr style="height:65.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Automatic Portfolio </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rebalancing</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reallocate your Cash Value </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the elected Divisions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to return the allocation to the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentages you specify.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Monthly </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Deductions Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">waiver of monthly deductions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Insured is totally </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">disabled, including cost of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance and monthly </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">certificate expense charges, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">upon proof of disability.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Insured must have </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">become disabled before age </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">60.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dependent Life Benefit Rider </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">- Child</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides term </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death for any insured child.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected rider </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit, you may also need to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be on active status. You </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should ask your Employer if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this benefit is included and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">whether you need to be on </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status in order to elect </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">it.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate issue may be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to underwriting.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Spouse Certificate</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">A Certificate may be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchased upon the life of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse with its own death </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit. This benefit provides </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death of the Insured’s </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected benefit, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you may also need to be on </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status. You should ask </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included and whether you </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">need to be on active status in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">order to elect it.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate issue may be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to underwriting.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accelerated Benefits Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Under this rider, you may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">receive an accelerated </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of a portion of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit if the Insured is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">terminally ill and expected to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">die within less than 12 </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">months (subject to state </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Payment under this rider may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affect eligibility for benefits </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under state or federal law.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accidental Death and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dismemberment Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of an insurance </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if the Insured sustains </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">an accidental injury that is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the direct and sole cause of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Insured’s death or the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insured’s loss of a body part </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or bodily function.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Paid-Up Certificate Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Terminates the death benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(and any riders in effect) and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">uses all or part of the Cash </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Surrender Value as a single </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premium for a “paid-up” </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The paid-up benefit must not </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be more than can be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchased using the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Certificate’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cash Surrender </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value, more than the death </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit under the Certificate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">at the time you choose to use </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this provision, or less than </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$10,000.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Once you have elected a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">paid-up benefit, you may no </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">longer allocate Cash Value to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Separate Account or the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fixed Account.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Will Preparation Service </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a will </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service available </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to you (subject to state </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The will </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service rider is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Resolution Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services in the event </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you or your Spouse dies </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(subject to state variations).</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services are made </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Digital Estate Planning </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a Digital </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available to you (subject to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">state variations).</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The Digital </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bereavement Services Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available by a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">third-party provider.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Grief Counseling Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">grief counseling services to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The grief </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">counseling services are made </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available by a third-party </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">provider.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Funeral Services Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">funeral services to you, your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse and children. </span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The funeral </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">services are made available </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">by a third-party provider.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dollar Cost Averaging </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Automatic Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Strategy</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer a predetermined </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of money from the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Division that invests in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">money market fund or an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">ultra short-term fund to a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">number of available Divisions.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Automatic Portfolio </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rebalancing</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reallocate your Cash Value </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the elected Divisions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to return the allocation to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentages you specify.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Waiver of Monthly Deductions Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the waiver of monthly deductions while the Insured is totally disabled, as defined in the rider. The Insured must provide proof that they are unable to perform any other job for which the Insured is fit by education, training or experience. The Insured must have become disabled before age 60. The charge under this rider is assessed by increasing the applicable cost of insurance rates.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">This waiver applies to both the GVUL insurance coverage and any associated rider coverages but does not include any optional investment premium or separate Spouse Certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you are eligible for benefits under this rider, and have current premiums of $150 per month including a $50 optional investment premium, we will waive $100 per month so your life insurance coverage remains in force.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Dependent Life Benefit Rider - Child coverage</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. This rider provides for term insurance on the Insured’s children as defined in the rider. The death benefit will be payable to the named Beneficiary upon the death of any insured child. Under certain conditions, the rider may be exchanged for an individual life insurance policy. The charge for this rider is assessed per $1,000 of insurance coverage provided.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you elected to purchase this rider on your children, and you have $5,000 of coverage under this rider, and your child dies while the child rider is in force, we will pay $5,000 in death benefit to the Beneficiary upon the death of the child.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Spouse Certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This Certificate provides insurance coverage under a group universal or group variable universal life certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you elected to purchase a Spouse Certificate with a $50,000 death benefit and the Spouse dies, we will pay $50,000 to the Beneficiary.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Accidental Death and Dismemberment Insurance Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the payment of an insurance benefit if the Insured sustains an accidental injury that is the direct and sole cause of the Insured’s death or the Insured’s loss of a body part or bodily function. The benefit amount is based on a percentage of the Certificate’s face amount and varies with the type of loss, as specified in the rider. The percentage is 100% for loss of life and generally ranges from 25% to 100% for loss of a body part or bodily function. Additional benefit amounts identified in the rider may be payable if the loss occurs and the Insured has properly used identified safety features, such as air bags and seat belts.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if your Employer has included Accidental Death and Dismemberment Insurance in your Group Insurance Plan, and your Accidental Death and Dismemberment Insurance benefit amount is $100,000, if you lose sight in one eye as defined in the Certificate rider, we will pay you $50,000.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Accelerated Benefits Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the accelerated payment of a portion of death benefit proceeds in a single sum to you if the Insured is terminally ill and expected to die within less than 12 months (subject to state variations). Any irrevocable Beneficiary and assignees of record must provide written authorization in order for the Owner to receive the accelerated benefit. The amount of the death benefit payable under the rider will equal up to 80% of the Face Amount (up to $500,000) under the Certificate on the date we receive satisfactory evidence of terminal illness as described above, less any Indebtedness. In general, rider benefits may be received tax free subject to certain limitations and conditions. You should consult a qualified tax adviser about the consequences of adding this rider to a Certificate or requesting an accelerated death benefit payment under this </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">rider. We do not currently impose a charge for this rider. However, we reserve the right to deduct an administrative charge of $150 from the accelerated death benefit at the time it is paid.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if your Plan includes the Accelerated Benefits Rider and you are diagnosed with a terminal illness, you may elect to receive a portion of the death benefit proceeds (less any loans and loan interest) prior to the Insured’s death. At the Insured’s death, payment of the remaining life insurance proceeds will be made to the Beneficiary(ies).</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Paid-Up Certificate Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. You can choose to terminate the death benefit (and any riders in effect) and use all or part of the Cash Surrender Value as a single premium for a “paid-up” benefit. (“Paid-up” means no further premiums are required). The single premium is the amount required to fund a paid-up benefit under the Certificate, that is, one that requires no further premium payments. If you choose to use only a part of the Cash Surrender Value to purchase the paid-up benefit, you will receive in cash any remaining Cash Surrender Value that you did not elect to have used as a paid-up benefit. The paid-up benefit must not be more than can be purchased using the Certificate’s Cash Surrender Value, more than the death benefit under the Certificate at the time you choose to use this provision, or less than $10,000. Once you have elected a paid-up benefit, you may no longer allocate Cash Value to the Separate Account and/or the Fixed Account. There is no fee for electing a paid-up benefit. Because the death benefit under a paid-up benefit Certificate is calculated as the amount that will remain in force without payment of any further cost of insurance charges, it is generally significantly less than the Certificate’s usual death benefit. In addition, if you choose not to use all of the Cash Surrender Value toward the purchase of the paid-up benefit, the death benefit will be further reduced.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you have a Cash Surrender value of $10,000, you may terminate the death benefit and any riders in effect and purchase a paid-up benefit for $10,000 which will be payable upon the Insured's death.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If we determine that the tax status of a Certificate as life insurance is adversely affected by the addition of any of these riders, we will cease offering such riders. We deduct any charges associated with these riders as part of the monthly deduction. Please contact us for further details about these riders.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Will Preparation Service Rider. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">This rider provides you with a will preparation service (“Service”) while this rider and the Certificate are in force. This Service is made available to you, at no cost, through a MetLife affiliate (“Affiliate”). This Service provides for a will to be prepared by attorneys designated by the Affiliate for you and your Spouse. If you have a will prepared by an attorney not designated by the Affiliate, you must pay the attorney’s services directly. Upon proof of such payment, you will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount you paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you decide that you would like to have a codicil to your will prepared, this Service enables you to work one-on-one with an attorney, in-person, on the phone, or online to prepare the codicil to your will free of charge, subject to state variations.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Estate Resolution Services Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> If you or your Spouse die while this rider and the Certificate are in force, a probate benefit (the “Benefit”) will be made available to the estate of the deceased. The Benefit is available through an Affiliate. The Benefit provides for certain probate services to be made available, free of charge, by attorneys designated by the Affiliate. If probate services are provided by an attorney not designated by the Affiliate, the estate of the deceased must pay for those attorney’s services directly. Upon proof of such payment, the estate of the deceased will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount such estate paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, the executor of your estate may use the Benefit to receive unlimited consultations, either face-to-face with an attorney or by phone to assist in settling your estate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Digital Estate Planning</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. A Digital Estate Planning Platform is included with Group Variable Universal Life (GVUL) Insurance at no additional cost. MetLife has arranged for this platform to be provided by a MetLife affiliate (the "Affiliate"). This platform will be made available to Employees and their Spouses through legalplans.com/estateplanning and includes facilitation of the selection, completion and execution of common estate planning documents.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Beneficiary and Bereavement Services</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Beneficiary and Bereavement Services are included with Group Variable Universal Life (GVUL) Insurance for no additional premium. MetLife may arrange for some portion of these services to be provided to Owners and Beneficiaries by a third-party provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Grief Counseling Services Rider:</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> Employees who become insured under the Group Contract are eligible to receive non-insured grief counseling services at no additional premium. MetLife has arranged for these services to be provided to Employees through a third-party service provider. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third-party service provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Funeral Services Discount Disclosure</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Employees who become insured under the Group Contract are eligible to receive discounts of up to 10% off the service provider’s standard price for certain funeral services including funeral, cremation and cemetery products and services provided by a third-party national network of funeral and funeral planning providers while such insurance remains in effect. Employees who become insured will also have access to funeral planning resources including funeral planning tools and concierge services provided by the same national network of providers. MetLife has arranged for these services and discounts to be provided to Employees and their Spouses and children and the parents, grandparents and great-grandparents of the Employees and their Spouses for no additional premium. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third-party service provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The discounts and planning services are not available in all jurisdictions and are subject to regulatory approval.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Dollar Cost Averaging.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This investment strategy allows you to automatically transfer a predetermined amount of money from the Division that invests in the MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;position:relative;top:-4.75pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> U.S. Government Money Market Portfolio to a number of available Divisions of the Separate Account. Based on the elected investment allocations for this investment strategy, Dollar Cost Averaging occurs after the close of business on each Monthly Anniversary or after close of business on the next business day following each Monthly Anniversary should your Monthly Anniversary fall on a non-business day (weekend or holiday) as long as all other requirements are met. The portion of the Certificate’s Cash Value in the Division that invests the MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:7pt;position:relative;top:-4.75pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> U.S. Government Money Market Portfolio must be greater than or equal to $1,000. The minimum total monthly transfer amount must be greater than or equal to $100.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Dollar Cost Averaging does not assure a profit or protect against a loss in declining markets. It involves continuous investment in securities regardless of price fluctuations. An investor should consider his/her ability to continue purchases in periods of low price levels.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you elected the Dollar Cost Averaging and selected $12,000 of Cash Value to be transferred from the MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:4.5pt;position:relative;top:-7.75pt;">® </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">U.S. Government Money Market Portfolio Division to specified other Divisions that you choose, over a 12 month period we will transfer $1,000 each month for 12 months.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Automatic Portfolio Rebalancing. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">This investment strategy allows you to automatically reallocate your Cash Value among the elected Divisions to return the allocation to the percentages you specify. This rebalancing occurs annually after the close of business on your Certificate Anniversary or after the close of business on the next business day following your Certificate Anniversary should your Certificate Anniversary fall on a non-business day (holiday or weekend).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Annual Automatic Portfolio Rebalancing does not assure a profit or protect against a loss in declining markets.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you allocated 25% to each of four Divisions after the close of business on your Certificate Anniversary, or after the close of business on the next business day following your Certificate Anniversary should your Certificate Anniversary fall on a non-business day (holiday or weekend), we will transfer amounts among those four Divisions so that there is 25% of your Certificate’s Cash Value in each Division.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The automated transfers under these investment strategies will not count towards frequent transfer constraints or transfer limitations. However, we reserve the right to include them if we decide to restrict transfers under the terms of the Certificate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You may elect either the Dollar Cost Averaging strategy OR the Annual Automatic Portfolio Rebalancing strategy. There is no fee for participating in either strategy. You cannot participate in both strategies at the same time; however, either strategy may be discontinued at any time.</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">APPENDIX A: PORTFOLIOS AVAILABLE UNDER THE CERTIFICATE</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following is a list of the Portfolios currently available under the Certificate. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at dfinview.com/metlife/PUFT/MET000269. You can also request this information at no cost by calling (800) 756-0124 or by sending an email request to GVUL-eservice@metlifecommercial.com.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The current expenses and performance information below reflects fees and expenses of the Portfolios, but does not reflect the other fees and expenses that the Certificate may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio's past performance is not necessarily an indication of future performance.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">*</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">##</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Effective April 28, 2025, the SSGA Emerging Markets Enhanced Index Portfolio II (formerly Brighthouse/abrdn Emerging Markets Equity Portfolio) of the Brighthouse Funds Trust I merged with and into the SSGA Emerging Markets Enhanced Index Portfolio of Brighthouse Funds Trust I. Values prior to April 28, 2025 reflect the performance of the SSGA Emerging Markets Enhanced Index Portfolio II.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The fee and expense information regarding the Portfolios was provided by those Portfolios.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following is a list of the Portfolios currently available under the Certificate. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at dfinview.com/metlife/PUFT/MET000269. You can also request this information at no cost by calling (800) 756-0124 or by sending an email request to GVUL-eservice@metlifecommercial.com.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The current expenses and performance information below reflects fees and expenses of the Portfolios, but does not reflect the other fees and expenses that the Certificate may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio's past performance is not necessarily an indication of future performance.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:36.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco Global Equity Portfolio* - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.88%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.56%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.28%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Aggregate Bond Index Portfolio* - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.26%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.04%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-0.64%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.75%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Mid Cap Stock Index Portfolio - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.43%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife MSCI EAFE</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index Portfolio - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">31.02%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.04%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index Portfolio - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.66%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.55%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Stock Index Portfolio* - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.27%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.13%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.53%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Total Return Bond Series* - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Massachusetts Financial Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">4.52%</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Total Return Portfolio* - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial Services </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.11%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.42%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.65%</span></div></div></td></tr> <tr style="height:36.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> U.S. Government Money Market Portfolio* - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Massachusetts Financial Services Company</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.45%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.85%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.87%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.77%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:72.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">State Street Emerging Markets Enhanced Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class A (formerly known as SSGA </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Emerging Markets Enhanced Index Portfolio</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">##</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class A)</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">SSGA Funds Management, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">34.45%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.31%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco Global Equity Portfolio* - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Invesco Advisers, Inc.</span> 0.0058 0.1588 0.0756 0.1128 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Aggregate Bond Index Portfolio* - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0026 0.0704 -0.0064 0.0175 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Mid Cap Stock Index Portfolio - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0030 0.0719 0.0881 0.1043 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife MSCI EAFE</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index Portfolio - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0037 0.3102 0.0862 0.0804 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index Portfolio - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0030 0.1266 0.0599 0.0955 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Stock Index Portfolio* - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0027 0.1759 0.1413 0.1453 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Total Return Bond Series* - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Massachusetts Financial Services Company</span> 0.0053 0.0717 0.0015 0.0452 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Total Return Portfolio* - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Company</span> 0.0062 0.1111 0.0642 0.0765 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> U.S. Government Money Market Portfolio* - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Massachusetts Financial Services Company</span> 0.0045 0.0385 0.0287 0.0177 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">State Street Emerging Markets Enhanced Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class A (formerly known as SSGA </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Emerging Markets Enhanced Index Portfolio</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">##</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class A)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">SSGA Funds Management, Inc.</span> 0.0055 0.3445 0.0631 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.</span> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26.5pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:380.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">FEES AND EXPENSES</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOCATION IN</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PROSPECTUS</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Charges for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:59pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Transaction Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may be subject to transaction charges if you surrender your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy or make a partial withdrawal. You also may be charged for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">other transactions, such as when you make a premium payment, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer Cash Value between investment options, or exercise your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Accelerated Death Benefit Settlement Option Rider.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:133pt;"> <td rowspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Ongoing Fees and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(annual charges)</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">In addition to charges described above, an investment in the Policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is subject to certain ongoing fees and expenses, including a mortality </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and expense risk charge, a monthly deduction covering the cost of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance under the Policy, a monthly administrative charge and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">charges for optional benefits added by rider. Such fees and expenses </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">are set based on characteristics of the Insured (e.g., the age and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rate class of the covered person) as well as the Group </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">characteristics. Please refer to the specifications page of your Policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">for applicable rates.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You will also bear expenses associated with the Portfolios available </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under your Policy, as shown in the following table:</span></div></div></td> <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Monthly </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deduction</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Mortality </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">and Expense Risk </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charge</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Portfolio </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and Expenses</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ANNUAL FEE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">MIN</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">MAX</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment options (Portfolio fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and expenses)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.09</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.26</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Charges for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:59pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Transaction Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may be subject to transaction charges if you surrender your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy or make a partial withdrawal. You also may be charged for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">other transactions, such as when you make a premium payment, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer Cash Value between investment options, or exercise your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Accelerated Death Benefit Settlement Option Rider.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:133pt;"> <td rowspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Ongoing Fees and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(annual charges)</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">In addition to charges described above, an investment in the Policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is subject to certain ongoing fees and expenses, including a mortality </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and expense risk charge, a monthly deduction covering the cost of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance under the Policy, a monthly administrative charge and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">charges for optional benefits added by rider. Such fees and expenses </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">are set based on characteristics of the Insured (e.g., the age and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rate class of the covered person) as well as the Group </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">characteristics. Please refer to the specifications page of your Policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">for applicable rates.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You will also bear expenses associated with the Portfolios available </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under your Policy, as shown in the following table:</span></div></div></td> <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Monthly </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deduction</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — Mortality </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">and Expense Risk </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charge</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Deductions — </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Portfolio </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges and Expenses</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ANNUAL FEE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">MIN</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">MAX</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:143pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment options (Portfolio fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and expenses)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.09</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.26</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> 0.0009 0.0126 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:-51.5pt;"> </span></div></div></td> <td colspan="3" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Bottom;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">RISKS</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">LOCATION IN</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PROSPECTUS</span></div></div></td></tr> <tr style="height:26pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Risk of Loss</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in this Policy, including loss of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">principal.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr> <tr style="height:70pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Not a Short-Term </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Policies are designed to provide insurance protection. They </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should not be used as a short-term investment or if you need ready </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">access to cash, because you will be charged when you make </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premium payments and you will also pay a transaction fee on partial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals. In addition, withdrawals may be subject to ordinary </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income tax and tax penalties.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr> <tr style="height:70pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Risks Associated with </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Investment Options</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in this Policy is subject to the risk of poor investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance and can vary depending on the performance of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolios available under the Policy. Each investment option </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including any General Account investment option) has its own </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">unique risks. You should review the investment options before </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">making an investment decision.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr> <tr style="height:111.5pt;"> <td style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Insurance Company </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Risks</span></div></div></td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investments in the Policy are subject to the risks related to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Metropolitan Life, including any obligations (including under any </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">General Account investment option), guarantees, and benefits of the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy, including any death benefit, that are subject to the claims </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">paying ability of Metropolitan Life. If Metropolitan Life experiences </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">financial distress, it may not be able to meet its obligations to you. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">More information about Metropolitan Life, including its financial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">strength ratings, is available upon request by calling (800) 756-0124 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or visiting: https://www.metlife.com/about-us/corporate-profile/</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">ratings.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:486pt;table-layout:auto;"> <tr style="height:92pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Contract Lapse</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:275pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Your Policy may lapse if you have paid an insufficient amount of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premiums or if the investment experience of the Portfolios is poor </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and the Cash Surrender Value under your Policy is insufficient to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">cover the monthly deduction. Lapse of a Policy on which there is an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loan may have adverse tax consequences. If the Policy </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">lapses, no death benefit will be paid. A Policy may be reinstated if </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the conditions for reinstatement are met including the payment of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">required premiums.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Principal Risks</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in this Policy, including loss of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">principal.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Policies are designed to provide insurance protection. They </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should not be used as a short-term investment or if you need ready </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">access to cash, because you will be charged when you make </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premium payments and you will also pay a transaction fee on partial </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals. In addition, withdrawals may be subject to ordinary </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">income tax and tax penalties.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in this Policy is subject to the risk of poor investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance and can vary depending on the performance of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolios available under the Policy. Each investment option </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including any General Account investment option) has its own </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">unique risks. You should review the investment options before </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">making an investment decision.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investments in the Policy are subject to the risks related to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Metropolitan Life, including any obligations (including under any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">General Account investment option), guarantees, and benefits of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy, including any death benefit, that are subject to the claims </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">paying ability of Metropolitan Life. If Metropolitan Life experiences </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">financial distress, it may not be able to meet its obligations to you. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">More information about Metropolitan Life, including its financial </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">strength ratings, is available upon request by calling (800) 756-0124 </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or visiting: https://www.metlife.com/about-us/corporate-profile/</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">ratings.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Your Policy may lapse if you have paid an insufficient amount of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">premiums or if the investment experience of the Portfolios is poor </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and the Cash Surrender Value under your Policy is insufficient to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">cover the monthly deduction. Lapse of a Policy on which there is an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loan may have adverse tax consequences. If the Policy </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">lapses, no death benefit will be paid. A Policy may be reinstated if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the conditions for reinstatement are met including the payment of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">required premiums.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Owners may transfer Cash Value between and among the Divisions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and the General Account. At the present time, no charge is assessed </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">against the Cash Value of a Policy when amounts are transferred </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the Divisions of the Separate Account and between the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Divisions and the General Account, but we reserve the right to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">impose a charge of $25 to cover administrative costs incurred in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">processing any transfer in excess of 12 in a Policy Year. We have </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">limits on the amount that may be allocated and transferred to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">General Account (“maximum allocation percentage”). The initial </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">General Account maximum allocation percentage is shown on the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy’s specifications page, and we may change this percentage </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from time to time.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The total amount of transfers and withdrawals from the General </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account in a Policy Year may not exceed the greater of (i) the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy’s Cash Surrender Value in the General Account at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beginning of the Policy Year, multiplied by the withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentage limit shown on the Policy’s specifications page, or (ii) </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the previous Policy Year’s General Account maximum withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount. We are currently not enforcing this restriction for partial </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals. Restrictions may apply to frequent transfers.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Metropolitan Life reserves the right to remove or substitute </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolios as investment options that are available under the Policy.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Benefit availability is subject to your Employer making the benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available. Depending upon your Employer’s requirements, certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy benefits may only be able to be added to in force Policies </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">during the Employer’s annual enrollment. With respect to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dependent life benefit coverage (Spouse coverage or child </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">coverage), depending upon your Employer’s elected benefit, you may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">also need to be on active status. You should check with your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer regarding the availability of benefits and whether you </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">need to be on active status to elect the dependent life benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">coverage (Spouse coverage or child coverage).</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Consult with a tax professional to determine the tax implications of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">an investment in and payments received under this Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawals may be subject to ordinary income tax, and may be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">subject to tax penalties.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lapse of a Policy on which there is an outstanding loan may have </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">adverse tax consequences.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Your investment professional may receive compensation relating to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your ownership of a Policy. These investment professionals may have </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a financial incentive to offer or recommend the Policy over another </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Some investment professionals may have a financial incentive to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">offer you a new policy in place of your current Policy. You should </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">only exchange your Policy if you determine, after comparing the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">features, fees, and risks of both policies, that it is better for you to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">purchase the new Policy rather than continue to own your existing </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy.</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">FEE TABLES</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Policy. We may charge fees and use rates that are lower than the maximum guaranteed charges reflected in the tables. The Contractholder (Employer) chooses which charges, Group A, Group B or Group C, will apply to the Policies issued to the Employees of the Employer. Please refer to your Policy specification page for information about the specific fees you will pay each year based on the options you have elected.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The first table describes the fees and expenses that you will pay at the time that you buy the Policy, surrender or make withdrawals from the Policy, or transfer Cash Value between investment options. </span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Transaction Fees</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Amount Deducted</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum Premium Expense Charge </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(load)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">For </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policies issued under Group </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contracts</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium Payment</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Charge</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">For </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policies treated as individual </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">contracts under Omnibus Budget </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Reconciliation Act of 1990</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.00</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">% of each Premium Payment</span></div></div></td></tr> <tr style="height:13pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium Payment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group B</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group C</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> explicit </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Partial Withdrawal Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon each partial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">withdrawal from the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Policy</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon transfer in </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">excess of 12 in a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Policy Year</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per transfer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:36.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit Settlement </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Option Rider Administrative Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">At the time an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">accelerated death </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">benefit is paid</span></div></div></td> <td colspan="3" style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Policies issued under a Group C charge structure, the premium tax charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Policies.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The partial withdrawal charge is equal to the lesser of $25 or 2% of the amount of the withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not currently impose this charge.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The next table describes the fees and expenses that you will pay periodically during the time that you own the Policy not including Portfolio fees and expenses. </span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Periodic Charges Other Than Annual Portfolio Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Amount Deducted</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Charges:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group Contracts </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">issued before </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1/1/09</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:151.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group Contracts issued on and after </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1/1/09</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;"> Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.15</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">31.31</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">per $1,000 of net </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">amount at risk</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:151.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.30</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">83.33</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">amount at risk</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.45 per $1,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">of net amount at </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">risk</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:151.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.92 per $1,000</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">of net amount at risk</span></div></div></td></tr> <tr style="height:13pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group B</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group C</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.00</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">explicit</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> explicit </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mortality and Expense Risk Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Daily</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.90</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">% (annually) of the net assets of each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Division of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Separate Account</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Interest Spread</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(8)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annually</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"><span style="-sec-ix-hidden:x_1fefa268-5083-43ad-8608-836bfe939ca5">3.0</span></span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Charges:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:61pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly Deductions</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(9),(10)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contracts</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Issued</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Before</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1/1/04</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contracts</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Issued</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1/1/04</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12/31/08</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contracts</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Issued On</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Or After</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1/1/09</span></div></div></td></tr> <tr style="height:73pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;"> Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.01</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.21</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$1.00 of</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">waived</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">monthly </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">deduction</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.02</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.76</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$1,000 of</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">net amount</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">at risk</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.02</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.31</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$1,000 of</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">net amount</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">at risk</span></div></div></td></tr> <tr style="height:61pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.07 per</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$1.00 of</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">waived</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">monthly </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">deduction</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.00 per</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$1,000 of</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">net amount</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">at risk</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.00 per</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$1,000 of</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">net amount</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">at risk</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Children’s Life Insurance Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.41</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of coverage</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse’s Life Insurance Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(9), (11)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;"> Charge</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.15</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">83.33</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(12)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.92 per $1,000 of net amount at risk</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Also applies to Individual Policies issued under an Employer-sponsored insurance program established before 1/1/09. </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Also applies to Individual Policies issued under an Employer-sponsored insurance program established on or after 1/1/09.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cost of insurance charges vary based on the Insured’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Attained Age and rate class. The cost of insurance charge will also vary depending on which charge structure the Contractholder has chosen for the Policies. The cost of insurance charge is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">greater for participants in a Group Contract that uses a Group B or Group C charge structure than those in a Group Contract that uses a Group A charge structure. The cost of insurance charges shown in the table may not be typical of the charges you will pay. More detailed information concerning your cost of insurance charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A representative Insured is a person with an attained age of 45, actively at work.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum administrative charge we can apply to any Policy can vary but will not exceed the amounts in the table. Please refer to your Policy Schedule Page for the administrative charge that applies to your Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Policies issued under a Group B or Group C charge structure, the administrative charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Policies.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(7)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Mortality and Expense Risk Charge is currently 0.75% (annually) of the net assets of each Division of the Separate Account.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(8)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum amount of interest we charge is 8% and the minimum amount of interest we credit is 5% for a maximum loan interest spread of 3%.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(9)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges for this rider vary based on the Insured's individual characteristics. The rider charges shown in the table may not be representative of the charge that you will pay. Your Policy will indicate the charges applicable to your Policy. More detailed information concerning your charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(10)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Generally, the charge under this rider is assessed per $1.00 of the waived monthly deduction for Certificates under Group Contracts or Individual Policies issued before January 1, 2004. Generally for Certificates under Group Contracts or Individual Policies issued on or after January 1, 2004, the maximum charge for this rider does not increase the maximum charge outlined under the maximum charge of the Cost of Insurance Charge. Similarly, for Certificates under Group Contracts or Individual Policies issued on or after January 1, 2004, the charge for a representative insured is generally also $0.00 per $1,000 of the net amount at risk because the charge is included in the current Cost of Insurance Charge.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(11)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Spouse's life insurance benefit can be provided by rider or by a separate Policy, depending upon what is available under your Group. The charges shown reflect the charges that apply to a Spouse Policy. For a Spouse rider, the minimum and maximum charge is $0.15 to $31.31 per $1,000 of coverage and the charge for a representative Insured is $0.45 per $1,000 of coverage.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(12)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Spouse’s Life Insurance Benefit, a representative Insured is an Employee’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Spouse that has an attained age of 45.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The next table shows the minimum and maximum total operating expenses charged by the Portfolios that you may pay periodically during the time that you own the Policy. A complete list of the Portfolios available under the Policy, including their annual expenses, may be found in Appendix A at the back of this document.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Annual Portfolio Expenses </span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:362.45pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:61.41pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:62.14pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:362.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio Expenses (as a percentage of average net assets)</span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio assets, including management fees, </span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:61.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.09</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:62.14pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.26</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Transaction Fees</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Amount Deducted</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum Premium Expense Charge </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">(load)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">For </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policies issued under Group </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contracts</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium Payment</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> Charge</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">For </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policies treated as individual </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">contracts under Omnibus Budget </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Reconciliation Act of 1990</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.00</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">% of each Premium Payment</span></div></div></td></tr> <tr style="height:13pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium Payment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group B</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group C</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> explicit </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Partial Withdrawal Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon each partial </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">withdrawal from the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Policy</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon transfer in </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">excess of 12 in a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Policy Year</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">25</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per transfer</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:36.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit Settlement </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Option Rider Administrative Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">At the time an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">accelerated death </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">benefit is paid</span></div></div></td> <td colspan="3" style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Policies issued under a Group C charge structure, the premium tax charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Policies.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The partial withdrawal charge is equal to the lesser of $25 or 2% of the amount of the withdrawal.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not currently impose this charge.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">For </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policies issued under Group </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Contracts</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium Payment</span> 0 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">For </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policies treated as individual </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">contracts under Omnibus Budget </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Reconciliation Act of 1990</span> 0.0100 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon Receipt of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Premium Payment</span> 0.0225 0.0225 0 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Partial Withdrawal Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon each partial </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">withdrawal from the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Policy</span> 25 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Upon transfer in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">excess of 12 in a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Policy Year</span> 25 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit Settlement </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Option Rider Administrative Charge</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">At the time an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">accelerated death </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">benefit is paid</span> 100 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Policies issued under a Group C charge structure, the premium tax charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Policies.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The partial withdrawal charge is equal to the lesser of $25 or 2% of the amount of the withdrawal.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not currently impose this charge.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We do not currently impose this charge.</span> <span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Periodic Charges Other Than Annual Portfolio Expenses</span><span style="color:#000000;font-family:Arial Narrow;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:25.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Deducted</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Amount Deducted</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Charges:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group Contracts </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">issued before </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1/1/09</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:151.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group Contracts issued on and after </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1/1/09</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;"> Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.15</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">31.31</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">per $1,000 of net </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">amount at risk</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:151.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.30</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">83.33</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">amount at risk</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.45 per $1,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">of net amount at </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">risk</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:151.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.92 per $1,000</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">of net amount at risk</span></div></div></td></tr> <tr style="height:13pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <div style="clear:right;"> </div></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group B</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group C</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.00</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">explicit</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">No</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> explicit </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mortality and Expense Risk Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Daily</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.90</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">% (annually) of the net assets of each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Division of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Separate Account</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Interest Spread</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(8)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annually</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"><span style="-sec-ix-hidden:x_1fefa268-5083-43ad-8608-836bfe939ca5">3.0</span></span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Charges:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:61pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly Deductions</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(9),(10)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contracts</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Issued</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Before</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1/1/04</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contracts</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Issued</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1/1/04</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12/31/08</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Group</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contracts</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Issued On</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Or After</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1/1/09</span></div></div></td></tr> <tr style="height:73pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;"> Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.01</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.21</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$1.00 of</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">waived</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">monthly </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">deduction</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.02</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.76</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$1,000 of</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">net amount</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">at risk</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.02</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.31</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$1,000 of</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">net amount</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">at risk</span></div></div></td></tr> <tr style="height:61pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.07 per</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$1.00 of</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">waived</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">monthly </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">deduction</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:77pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.00 per</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$1,000 of</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">net amount</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">at risk</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:74.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.00 per</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$1,000 of</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">net amount</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">at risk</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Children’s Life Insurance Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.41</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of coverage</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse’s Life Insurance Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(9), (11)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Minimum and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;"> Charge</span></div></div></td> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Middle;width:95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.15</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> to $</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">83.33</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:162.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(12)</span> <div style="clear:right;"> </div></div></div></td> <td colspan="3" style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Middle;width:228.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.92 per $1,000 of net amount at risk</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Also applies to Individual Policies issued under an Employer-sponsored insurance program established before 1/1/09. </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Also applies to Individual Policies issued under an Employer-sponsored insurance program established on or after 1/1/09.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cost of insurance charges vary based on the Insured’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Attained Age and rate class. The cost of insurance charge will also vary depending on which charge structure the Contractholder has chosen for the Policies. The cost of insurance charge is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">greater for participants in a Group Contract that uses a Group B or Group C charge structure than those in a Group Contract that uses a Group A charge structure. The cost of insurance charges shown in the table may not be typical of the charges you will pay. More detailed information concerning your cost of insurance charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A representative Insured is a person with an attained age of 45, actively at work.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(5)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum administrative charge we can apply to any Policy can vary but will not exceed the amounts in the table. Please refer to your Policy Schedule Page for the administrative charge that applies to your Policy.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(6)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Policies issued under a Group B or Group C charge structure, the administrative charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Policies.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(7)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Mortality and Expense Risk Charge is currently 0.75% (annually) of the net assets of each Division of the Separate Account.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(8)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum amount of interest we charge is 8% and the minimum amount of interest we credit is 5% for a maximum loan interest spread of 3%.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(9)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges for this rider vary based on the Insured's individual characteristics. The rider charges shown in the table may not be representative of the charge that you will pay. Your Policy will indicate the charges applicable to your Policy. More detailed information concerning your charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(10)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Generally, the charge under this rider is assessed per $1.00 of the waived monthly deduction for Certificates under Group Contracts or Individual Policies issued before January 1, 2004. Generally for Certificates under Group Contracts or Individual Policies issued on or after January 1, 2004, the maximum charge for this rider does not increase the maximum charge outlined under the maximum charge of the Cost of Insurance Charge. Similarly, for Certificates under Group Contracts or Individual Policies issued on or after January 1, 2004, the charge for a representative insured is generally also $0.00 per $1,000 of the net amount at risk because the charge is included in the current Cost of Insurance Charge.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(11)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Spouse's life insurance benefit can be provided by rider or by a separate Policy, depending upon what is available under your Group. The charges shown reflect the charges that apply to a Spouse Policy. For a Spouse rider, the minimum and maximum charge is $0.15 to $31.31 per $1,000 of coverage and the charge for a representative Insured is $0.45 per $1,000 of coverage.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(12)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Spouse’s Life Insurance Benefit, a representative Insured is an Employee’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Spouse that has an attained age of 45.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 0.0015 0.3131 0.0030 0.8333 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.45 per $1,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">of net amount at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">risk</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.92 per $1,000</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">of net amount at risk</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">A representative Insured is a person with an attained age of 45, actively at work.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(5)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 6.00 0 0 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mortality and Expense Risk Charge</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(7)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Daily</span> 0.0090 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Interest Spread</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(8)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annually</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Waiver of Monthly Deductions</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(9),(10)</span> 2004-01-01 2004-01-01 2008-12-31 2009-01-01 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 0.0001 0.0021 0.0002 0.0376 0.0002 0.0031 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(4</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-4.25pt;">)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.07 per</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$1.00 of</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">waived</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">monthly </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">deduction</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.00 per</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$1,000 of</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">net amount</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">at risk</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.00 per</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$1,000 of</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">net amount</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">at risk</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Children’s Life Insurance Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 0.0041 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse’s Life Insurance Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(9), (11)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Monthly</span> 0.0015 0.8333 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:1.9pt;">Charge for a Representative </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:9.0pt;">Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(12)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$0.92 per $1,000 of net amount at risk</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Also applies to Individual Policies issued under an Employer-sponsored insurance program established before 1/1/09. </span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Also applies to Individual Policies issued under an Employer-sponsored insurance program established on or after 1/1/09.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Cost of insurance charges vary based on the Insured’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Attained Age and rate class. The cost of insurance charge will also vary depending on which charge structure the Contractholder has chosen for the Policies. The cost of insurance charge is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">greater for participants in a Group Contract that uses a Group B or Group C charge structure than those in a Group Contract that uses a Group A charge structure. The cost of insurance charges shown in the table may not be typical of the charges you will pay. More detailed information concerning your cost of insurance charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum administrative charge we can apply to any Policy can vary but will not exceed the amounts in the table. Please refer to your Policy Schedule Page for the administrative charge that applies to your Policy.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Policies issued under a Group B or Group C charge structure, the administrative charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Policies.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Policies issued under a Group B or Group C charge structure, the administrative charge is not assessed as an explicit charge; instead, it is included in the insurance rates resulting in a higher cost of insurance charge for these Policies.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Mortality and Expense Risk Charge is currently 0.75% (annually) of the net assets of each Division of the Separate Account.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The maximum amount of interest we charge is 8% and the minimum amount of interest we credit is 5% for a maximum loan interest spread of 3%.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Charges for this rider vary based on the Insured's individual characteristics. The rider charges shown in the table may not be representative of the charge that you will pay. Your Policy will indicate the charges applicable to your Policy. More detailed information concerning your charges is available on request from our Administrative Office.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(10)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Generally, the charge under this rider is assessed per $1.00 of the waived monthly deduction for Certificates under Group Contracts or Individual Policies issued before January 1, 2004. Generally for Certificates under Group Contracts or Individual Policies issued on or after January 1, 2004, the maximum charge for this rider does not increase the maximum charge outlined under the maximum charge of the Cost of Insurance Charge. Similarly, for Certificates under Group Contracts or Individual Policies issued on or after January 1, 2004, the charge for a representative insured is generally also $0.00 per $1,000 of the net amount at risk because the charge is included in the current Cost of Insurance Charge.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(11)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Spouse's life insurance benefit can be provided by rider or by a separate Policy, depending upon what is available under your Group. The charges shown reflect the charges that apply to a Spouse Policy. For a Spouse rider, the minimum and maximum charge is $0.15 to $31.31 per $1,000 of coverage and the charge for a representative Insured is $0.45 per $1,000 of coverage.</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">(12)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">For Spouse’s Life Insurance Benefit, a representative Insured is an Employee’s</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Spouse that has an attained age of 45.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:16pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:362.45pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:61.41pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:62.14pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:362.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio Expenses (as a percentage of average net assets)</span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio assets, including management fees, </span></div> <div style="margin-left:4pt;margin-right:11.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:61.41pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:11.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.09</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.375pt;vertical-align:Top;width:62.14pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:11.75pt;margin-right:10pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.26</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Portfolio Expenses (as a percentage of average net assets)</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio assets, including management fees, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span> 0.0009 0.0126 <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">PRINCIPAL RISKS</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Investment Risk </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you invest your Cash Value in one or more Divisions of the Separate Account, then you will be subject to the risk that the investment performance of the Divisions will be unfavorable and that the Cash Value will decrease. An investment in this Policy is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the Policy. Each investment option (including the General Account option) has its own unique risks. You should review the investment options before making an investment decision. A comprehensive discussion of the risks of each of the Portfolios may be found in each Portfolio’s prospectus. Please refer to the prospectuses for the Portfolios for more information. There is no assurance that any of the Portfolios will achieve its stated investment objective. In addition, we deduct Policy fees and charges from your </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Cash Value, which can significantly reduce your Cash Value. During times of poor investment performance, this deduction will have an even greater impact on your Cash Value. You could lose everything you invest and your Policy could lapse without value, unless you pay additional premium. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you allocate premiums to the General Account, then we credit your Cash Value in the General Account with a declared rate of interest. You assume the risk that the interest rate on the General Account may decrease, although it will never be lower than the guaranteed minimum annual effective rate of 4% (3% if the General Account is first made available under the Policy on or after May 1, 2011).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Risk of an Increase in Current Fees and Expenses </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Certain fees and expenses currently are assessed at less than their guaranteed maximum levels. In the future, we may increase these current charges up to the guaranteed (that is, maximum) levels. If fees and expenses are increased, you may need to increase the amount and/or frequency of premiums to keep the Policy in force.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Policy Lapse </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If your Cash Surrender Value is not enough to pay the monthly deduction and other charges, your Policy may enter a 62-day grace period. A shorter grace period applies to the Contractholder (the Employer) of the Group Contract. We will notify you that the Policy will lapse (terminate without value) unless you make sufficient payment during the grace period. Your Policy also may lapse if your Indebtedness exceeds your Cash Value on any Monthly Anniversary. If either of these situations occurs, your Policy will be in default and you must pay a specified amount of new premium to prevent your Policy from lapsing. Subject to certain conditions and our underwriting rules, you may reinstate a lapsed Policy within five years after the date of lapse and before the Maturity Date. In certain situations your Policy may also terminate if your Employer ends its participation in the Group Contract.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Limitations on Access to Cash Value</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We limit partial withdrawals of Cash Value from the Policies. You may not take a partial withdrawal in the first Policy Year. Thereafter, you may make up to one partial withdrawal each Policy Month. The minimum amount of a partial withdrawal, net of any transaction charges, is currently $200. The minimum amount that can be withdrawn from any one Division or from the General Account is the lesser of $50 or the Policy’s Cash Value in that Division or in the General Account. The maximum amount that can be withdrawn, including the partial withdrawal transaction charge, is the Loan Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Limitations on Transfers</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We do not currently charge for transfers, but we reserve the right to charge up to $25 per transfer to cover administrative costs incurred in processing any transfer in excess of 12 in a Policy year, except for transfers under the Automated Investment Strategies. We have adopted procedures to limit excessive transfer activity. In addition, each Fund may restrict or refuse certain transfers among, or purchases of shares in their Portfolios as a result of certain market timing activities. You should read each Portfolio’s prospectus for more details. The minimum amount that you must transfer is currently $250, or, if less, the Policy’s Cash Value in a Division or in the General Account. We are not currently enforcing this restriction for transfers from the General Account but reserve the right to do so in the future.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Tax Treatment </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">To qualify as a life insurance contract for federal income tax purposes and to receive the tax treatment normally accorded life insurance contracts under federal tax law, a Policy must satisfy certain requirements which are set forth in the Internal Revenue Code (the “Code”). Guidance as to how these requirements are to be applied is limited. Nevertheless, we believe that the Policy should satisfy the applicable requirements. If it is subsequently determined that a Policy does not satisfy the applicable requirements, we may take appropriate steps to bring the Policy into compliance with such requirements and we reserve the right to restrict Policy transactions in order to do so. The insurance proceeds payable upon death of the Insured will never be less than the minimum amount required for a Policy to be treated as life insurance under Section 7702 of the Code, as in effect on the date the Policy was issued. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Depending on the total amount of premiums you pay, the Policy may be treated as a “modified endowment contract” (“MEC”) under federal tax laws. If a Policy is treated as a MEC, then surrenders, partial withdrawals and loans under the Policy will be taxable as ordinary income to the extent there are earnings in the Policy. In addition, a 10% penalty tax may be imposed on surrenders, partial withdrawals, and loans taken before you reach age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under current federal income tax law, the taxable portion of distributions from variable life contracts is taxed at ordinary income tax rates and does not qualify for the reduced tax rate applicable to long-term capital gains and dividends. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You should consult a qualified tax adviser for assistance in all Policy-related tax matters.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Surrender and Partial Withdrawals (Short-Term Investment Risk)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We designed the Policy to meet long-term financial goals. To best realize the benefits available through the Policy, including the benefit of tax deferred build-up of Cash Value, you should purchase the Policy only if you have the financial ability to keep it in force for a substantial period of time. You should not purchase the Policy if you intend to surrender all or part of the Policy in the near future. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The Policy is not suitable as a short-term savings vehicle. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A surrender, in whole or in part, may have tax consequences and may increase the risk that your Policy will lapse. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We assess a partial withdrawal transaction charge equal to the lesser of $25 or 2% of the amount withdrawn. A partial withdrawal may reduce the Face Amount as well as the death benefit. In certain circumstances, the reduction of the death benefit resulting from a partial withdrawal also may affect the cost of insurance charge and the amount of insurance protection afforded under a Policy. Partial withdrawals may have tax consequences and may increase the risk that your Policy will lapse.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Loans </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A Policy Loan, whether or not repaid, will affect Cash Value over time because we subtract the amount of the Policy Loan from the Divisions of the Separate Account and/or the General Account and hold that amount in the Loan Account. This loan collateral does not participate in the investment performance of the Divisions of the Separate Account. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We reduce the amount we pay on the Insured’s death, surrender, or the maturity of the Policy, by the amount of any Indebtedness. Your Policy may lapse (terminate without value) if the Indebtedness exceeds the Cash Value on any Monthly Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A Policy Loan may have tax consequences. If you surrender the Policy or allow the Policy to lapse or if the Policy terminates while a Policy Loan is outstanding, the amount of the outstanding Indebtedness, to the extent it has not previously been taxed, will be added to any amount you receive and taxed accordingly.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial;font-size:13pt;">Pandemics and Other Public Health Issues, and Other Events</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Pandemics and other public health issues or other events, and governmental, business, and consumer reactions to them, may affect economic conditions and may cause a large number of illnesses or deaths. Hurricanes, windstorms, earthquakes, hail, tornadoes, explosions, severe winter weather, fires, floods and mudslides, blackouts and man-made events such as riot, insurrection, terrorist attacks or acts of war may also cause catastrophic losses and increased claims. Any such catastrophes may also result in changes in consumer or business confidence, behavior and investment and business activity, changes to interest rates and other market risk factors, and governmental or other restrictions on economic activity for prolonged periods.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Cybersecurity</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Our business is highly dependent upon the effective operation of our information systems, and those of our service providers, vendors, and other third parties. Cybersecurity breaches of such systems can be intentional or unintentional events, and can occur through unauthorized access to computer systems, networks or devices; infection from computer viruses or other malicious software code; or attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality and our disaster recovery systems may be insufficient to safeguard our ability to conduct business. Cybersecurity breaches can interfere with our processing of Policy transactions, including the processing of transfer orders from our website or with the Portfolios; impact our ability to calculate accumulation unit values; cause the release and possible loss or destruction of confidential Owner or business information; impede order processing or cause other operational issues; and result in regulatory enforcement actions or new laws or regulations which could increase our compliance costs. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, and we require our critical vendors to implement effective cybersecurity and data protection measures, there is no guarantee that we will be able to successfully manage this risk at all times.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Terrorism and Security Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The continued threat of terrorism, ongoing or potential military conflict and other actions, and heightened security measures may cause economic uncertainty and result in loss of life, property damage, additional disruptions to commerce and reduced economic activity. The value of MetLife's investment portfolio may be adversely affected by declines in the credit and equity markets and reduced economic activity caused by such threats. Companies in which we maintain investments may suffer losses as a result of financial, commercial or economic disruptions, and such disruptions might affect the ability of those companies to pay interest or principal on their securities or mortgage loans. Terrorist or military actions also could disrupt our operations centers and result in higher than anticipated claims under our insurance policies.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Insurance Company Risks</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Policies are subject to the risks related to Metropolitan Life. Any obligations (including under any General Account investment option), guarantees, and benefits of the Policy are subject to the claims paying ability of Metropolitan Life. If Metropolitan Life experiences financial distress, it may not be able to meet its obligations to you. More information about Metropolitan Life, including its financial strength ratings, is available upon request by calling (800) 756-0124 or by visiting https://www.metlife.com/about-us/corporate-profile/ratings.</span><span style="color:#000000;font-family:Arial;font-size:13pt;">Technology Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Our business operations rely on functioning and secure information systems, including those of our vendors and other third parties. Technological changes present us with new or intensified challenges, and if we are unable to foresee or adapt to these changes, our business may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Technological changes may affect our business model and how we interact with our customers. The growth and availability of AI technologies, including generative AI, presents significant opportunities but also complex challenges; these include balancing and mitigating potential risks of harm posed by the development or deployment of AI technologies, as well as implementing and maintaining controls reasonably designed to ensure compliance with an increasingly complex AI regulatory landscape, with evolving requirements that may vary across jurisdictions. We may fail to adopt new technologies as effectively or efficiently as others, leading to competitive harm. If we are unable to update our business model to match evolving consumer preferences or the evolving technological landscape, we may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">New technologies may impact the configuration of our information systems, and how they connect with those of our vendors, service providers and/or partners. Such technological developments may introduce or uncover information security vulnerabilities, which may result in breaches, increased costs associated with maintaining appropriate data privacy, data protection, and cybersecurity measures, enforcement actions against us by regulators or other outcomes that may adversely impact our operations or business. In addition, any such vulnerability that results in a security breach or failure of our information systems, or those of third parties on which we rely, may result in litigation, regulatory action, negative impacts to our business operations, and reputational harm.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Investment Risk </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you invest your Cash Value in one or more Divisions of the Separate Account, then you will be subject to the risk that the investment performance of the Divisions will be unfavorable and that the Cash Value will decrease. An investment in this Policy is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the Policy. Each investment option (including the General Account option) has its own unique risks. You should review the investment options before making an investment decision. A comprehensive discussion of the risks of each of the Portfolios may be found in each Portfolio’s prospectus. Please refer to the prospectuses for the Portfolios for more information. There is no assurance that any of the Portfolios will achieve its stated investment objective. In addition, we deduct Policy fees and charges from your </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Cash Value, which can significantly reduce your Cash Value. During times of poor investment performance, this deduction will have an even greater impact on your Cash Value. You could lose everything you invest and your Policy could lapse without value, unless you pay additional premium. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you allocate premiums to the General Account, then we credit your Cash Value in the General Account with a declared rate of interest. You assume the risk that the interest rate on the General Account may decrease, although it will never be lower than the guaranteed minimum annual effective rate of 4% (3% if the General Account is first made available under the Policy on or after May 1, 2011).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Risk of an Increase in Current Fees and Expenses </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Certain fees and expenses currently are assessed at less than their guaranteed maximum levels. In the future, we may increase these current charges up to the guaranteed (that is, maximum) levels. If fees and expenses are increased, you may need to increase the amount and/or frequency of premiums to keep the Policy in force.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Policy Lapse </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If your Cash Surrender Value is not enough to pay the monthly deduction and other charges, your Policy may enter a 62-day grace period. A shorter grace period applies to the Contractholder (the Employer) of the Group Contract. We will notify you that the Policy will lapse (terminate without value) unless you make sufficient payment during the grace period. Your Policy also may lapse if your Indebtedness exceeds your Cash Value on any Monthly Anniversary. If either of these situations occurs, your Policy will be in default and you must pay a specified amount of new premium to prevent your Policy from lapsing. Subject to certain conditions and our underwriting rules, you may reinstate a lapsed Policy within five years after the date of lapse and before the Maturity Date. In certain situations your Policy may also terminate if your Employer ends its participation in the Group Contract.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Limitations on Access to Cash Value</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We limit partial withdrawals of Cash Value from the Policies. You may not take a partial withdrawal in the first Policy Year. Thereafter, you may make up to one partial withdrawal each Policy Month. The minimum amount of a partial withdrawal, net of any transaction charges, is currently $200. The minimum amount that can be withdrawn from any one Division or from the General Account is the lesser of $50 or the Policy’s Cash Value in that Division or in the General Account. The maximum amount that can be withdrawn, including the partial withdrawal transaction charge, is the Loan Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Limitations on Transfers</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We do not currently charge for transfers, but we reserve the right to charge up to $25 per transfer to cover administrative costs incurred in processing any transfer in excess of 12 in a Policy year, except for transfers under the Automated Investment Strategies. We have adopted procedures to limit excessive transfer activity. In addition, each Fund may restrict or refuse certain transfers among, or purchases of shares in their Portfolios as a result of certain market timing activities. You should read each Portfolio’s prospectus for more details. The minimum amount that you must transfer is currently $250, or, if less, the Policy’s Cash Value in a Division or in the General Account. We are not currently enforcing this restriction for transfers from the General Account but reserve the right to do so in the future.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Tax Treatment </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">To qualify as a life insurance contract for federal income tax purposes and to receive the tax treatment normally accorded life insurance contracts under federal tax law, a Policy must satisfy certain requirements which are set forth in the Internal Revenue Code (the “Code”). Guidance as to how these requirements are to be applied is limited. Nevertheless, we believe that the Policy should satisfy the applicable requirements. If it is subsequently determined that a Policy does not satisfy the applicable requirements, we may take appropriate steps to bring the Policy into compliance with such requirements and we reserve the right to restrict Policy transactions in order to do so. The insurance proceeds payable upon death of the Insured will never be less than the minimum amount required for a Policy to be treated as life insurance under Section 7702 of the Code, as in effect on the date the Policy was issued. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Depending on the total amount of premiums you pay, the Policy may be treated as a “modified endowment contract” (“MEC”) under federal tax laws. If a Policy is treated as a MEC, then surrenders, partial withdrawals and loans under the Policy will be taxable as ordinary income to the extent there are earnings in the Policy. In addition, a 10% penalty tax may be imposed on surrenders, partial withdrawals, and loans taken before you reach age 59</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;position:relative;top:-2.93pt;"> 1</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6.6pt;">2</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under current federal income tax law, the taxable portion of distributions from variable life contracts is taxed at ordinary income tax rates and does not qualify for the reduced tax rate applicable to long-term capital gains and dividends. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You should consult a qualified tax adviser for assistance in all Policy-related tax matters.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Surrender and Partial Withdrawals (Short-Term Investment Risk)</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We designed the Policy to meet long-term financial goals. To best realize the benefits available through the Policy, including the benefit of tax deferred build-up of Cash Value, you should purchase the Policy only if you have the financial ability to keep it in force for a substantial period of time. You should not purchase the Policy if you intend to surrender all or part of the Policy in the near future. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">The Policy is not suitable as a short-term savings vehicle. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A surrender, in whole or in part, may have tax consequences and may increase the risk that your Policy will lapse. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We assess a partial withdrawal transaction charge equal to the lesser of $25 or 2% of the amount withdrawn. A partial withdrawal may reduce the Face Amount as well as the death benefit. In certain circumstances, the reduction of the death benefit resulting from a partial withdrawal also may affect the cost of insurance charge and the amount of insurance protection afforded under a Policy. Partial withdrawals may have tax consequences and may increase the risk that your Policy will lapse.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Loans </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A Policy Loan, whether or not repaid, will affect Cash Value over time because we subtract the amount of the Policy Loan from the Divisions of the Separate Account and/or the General Account and hold that amount in the Loan Account. This loan collateral does not participate in the investment performance of the Divisions of the Separate Account. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We reduce the amount we pay on the Insured’s death, surrender, or the maturity of the Policy, by the amount of any Indebtedness. Your Policy may lapse (terminate without value) if the Indebtedness exceeds the Cash Value on any Monthly Anniversary. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">A Policy Loan may have tax consequences. If you surrender the Policy or allow the Policy to lapse or if the Policy terminates while a Policy Loan is outstanding, the amount of the outstanding Indebtedness, to the extent it has not previously been taxed, will be added to any amount you receive and taxed accordingly.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Pandemics and Other Public Health Issues, and Other Events</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Pandemics and other public health issues or other events, and governmental, business, and consumer reactions to them, may affect economic conditions and may cause a large number of illnesses or deaths. Hurricanes, windstorms, earthquakes, hail, tornadoes, explosions, severe winter weather, fires, floods and mudslides, blackouts and man-made events such as riot, insurrection, terrorist attacks or acts of war may also cause catastrophic losses and increased claims. Any such catastrophes may also result in changes in consumer or business confidence, behavior and investment and business activity, changes to interest rates and other market risk factors, and governmental or other restrictions on economic activity for prolonged periods.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Cybersecurity</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Our business is highly dependent upon the effective operation of our information systems, and those of our service providers, vendors, and other third parties. Cybersecurity breaches of such systems can be intentional or unintentional events, and can occur through unauthorized access to computer systems, networks or devices; infection from computer viruses or other malicious software code; or attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality and our disaster recovery systems may be insufficient to safeguard our ability to conduct business. Cybersecurity breaches can interfere with our processing of Policy transactions, including the processing of transfer orders from our website or with the Portfolios; impact our ability to calculate accumulation unit values; cause the release and possible loss or destruction of confidential Owner or business information; impede order processing or cause other operational issues; and result in regulatory enforcement actions or new laws or regulations which could increase our compliance costs. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, and we require our critical vendors to implement effective cybersecurity and data protection measures, there is no guarantee that we will be able to successfully manage this risk at all times.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Terrorism and Security Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The continued threat of terrorism, ongoing or potential military conflict and other actions, and heightened security measures may cause economic uncertainty and result in loss of life, property damage, additional disruptions to commerce and reduced economic activity. The value of MetLife's investment portfolio may be adversely affected by declines in the credit and equity markets and reduced economic activity caused by such threats. Companies in which we maintain investments may suffer losses as a result of financial, commercial or economic disruptions, and such disruptions might affect the ability of those companies to pay interest or principal on their securities or mortgage loans. Terrorist or military actions also could disrupt our operations centers and result in higher than anticipated claims under our insurance policies.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Insurance Company Risks</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Policies are subject to the risks related to Metropolitan Life. Any obligations (including under any General Account investment option), guarantees, and benefits of the Policy are subject to the claims paying ability of Metropolitan Life. If Metropolitan Life experiences financial distress, it may not be able to meet its obligations to you. More information about Metropolitan Life, including its financial strength ratings, is available upon request by calling (800) 756-0124 or by visiting https://www.metlife.com/about-us/corporate-profile/ratings.</span> <span style="color:#000000;font-family:Arial;font-size:13pt;">Technology Risk</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Our business operations rely on functioning and secure information systems, including those of our vendors and other third parties. Technological changes present us with new or intensified challenges, and if we are unable to foresee or adapt to these changes, our business may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Technological changes may affect our business model and how we interact with our customers. The growth and availability of AI technologies, including generative AI, presents significant opportunities but also complex challenges; these include balancing and mitigating potential risks of harm posed by the development or deployment of AI technologies, as well as implementing and maintaining controls reasonably designed to ensure compliance with an increasingly complex AI regulatory landscape, with evolving requirements that may vary across jurisdictions. We may fail to adopt new technologies as effectively or efficiently as others, leading to competitive harm. If we are unable to update our business model to match evolving consumer preferences or the evolving technological landscape, we may be adversely affected. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">New technologies may impact the configuration of our information systems, and how they connect with those of our vendors, service providers and/or partners. Such technological developments may introduce or uncover information security vulnerabilities, which may result in breaches, increased costs associated with maintaining appropriate data privacy, data protection, and cybersecurity measures, enforcement actions against us by regulators or other outcomes that may adversely impact our operations or business. In addition, any such vulnerability that results in a security breach or failure of our information systems, or those of third parties on which we rely, may result in litigation, regulatory action, negative impacts to our business operations, and reputational harm.</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">POLICY BENEFITS</span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Standard Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">As long as the Policy remains in force, we will pay the death benefit proceeds to the Beneficiary once we receive at our Administrative Office (i) satisfactory proof of the Insured’s death, (ii) instructions on how to pay the proceeds, and (iii) any other documents, forms and information we need. We may require you to return the Policy. (If the Beneficiary dies before the Insured, we will generally pay the insurance proceeds, in a single sum, to the Owner, or, if the Owner is not living, to the Owner’s estate.) Payment of death benefit proceeds will not be affected by termination of the Group Contract, the Employer-sponsored insurance program, or an Employee’s employment. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Death benefit proceeds equal: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the death benefit (described below); </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">plus </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">any additional insurance provided by rider; </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">minus </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">any unpaid monthly deductions; </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;">minus </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">any outstanding Indebtedness. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">An increase in Face Amount will increase the death benefit, and a decrease in Face Amount will decrease the death benefit. We may further adjust the amount of the death proceeds under certain circumstances. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If you have a rider permitting the accelerated payment of death benefit proceeds, the death benefit may be paid in a single sum before the death of the Insured, and would be less than otherwise would be paid upon the death of the Insured. </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Payment of the Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Death benefit proceeds under the Policy ordinarily will be paid within seven days after we receive proof of the Insured’s death and all other documentation required at our Administrative Office. Payment may, however, be postponed in certain circumstances. (See “General Matters Relating to the Policy — Postponement of Payments.”) The death benefit will be reduced by any outstanding Indebtedness and any due and unpaid Monthly Deduction accruing during a grace period. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">We will pay the proceeds in one sum, including either by check, by placing the amount in an account that earns interest, or by any other method of payment that provides the Beneficiary with immediate and full access to the proceeds. We will pay interest on the proceeds as required by the applicable state law. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Unless otherwise requested and subject to state law, the Policy’s death proceeds will generally be paid to the Beneficiary through a settlement option called the Total Control Account (if the death proceeds meet the required minimum). The Total Control Account is an interest-bearing account through which the Beneficiary has immediate and full access to the proceeds, with unlimited draft writing privileges. We credit interest to the account at a rate that will not be less than a guaranteed minimum annual effective rate. You may also elect to have any Policy surrender proceeds paid into a Total Control Account established for you. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Assets backing the Total Control Account are maintained in our general account and are subject to the claims of our creditors. We will bear the investment experience of such assets; however, regardless of the investment experience of such assets, the interest credited to the Total Control Account will never fall below the applicable guaranteed minimum annual effective rate. Because we bear the investment experience of the assets backing the Total Control Account, we may receive a profit from these assets. The Total Control Account is not insured by the FDIC or any other governmental agency. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Every state has unclaimed property laws which generally declare life insurance policies to be abandoned after a period of inactivity of two to five years from the date any death benefit is due and payable. For example, if the payment of a death benefit has been triggered, and after a thorough search, we are still unable to locate the Beneficiary of the death benefit, the death benefit will be paid to the abandoned property division or unclaimed property office of the state in which the Beneficiary or the Owner last resided, as shown on our books and records. (“Escheatment” is the formal, legal name for this process.) However, the state is obligated to pay the death benefit (without interest) if your Beneficiary steps forward to claim it with the proper documentation and within certain mandated time periods. To prevent your Policy’s death benefit from being paid to the state’s abandoned or unclaimed property office, it is important that you update your Beneficiary designation, including complete names and complete contact information, if and as it changes. You should contact our Administrative Office in order to make a change to your Beneficiary designation. </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Standard Death Benefit Options</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The Policy provides two death benefit options: a “Level Type” death benefit (“Option A”) and an “Increasing Type” death benefit (“Option B”). Under certain Group Contracts and Employer-sponsored insurance programs, however, Option B may be the only death benefit option presented. We calculate the amount available under each death benefit option as of the date of the Insured’s death. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under Option A, the death benefit is: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the current Face Amount of the Policy; or if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the applicable percentage of Cash Value on the date of death.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The applicable percentage is 250% for an Insured</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Attained Age 40 or below on the Policy Anniversary before the date of the Insured’s death. For Insureds with an Attained Age over 40 on that Policy Anniversary, the percentage is lower and gradually declines with age until it reaches 100% at age 95. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under Option B, the death benefit is: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the current Face Amount plus the Cash Value of the Policy; or if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the applicable percentage of the Cash Value on the date of death. The applicable percentage is the same as under Option A.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Which Death Benefit Option to Choose.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Owners who prefer to have favorable investment performance reflected in higher death benefits for the same Face Amount generally should select Option B. Owners who prefer to have favorable investment performance reflected in lower cost of insurance charges for the same Face Amount generally should select Option A.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The amount of the death benefit may vary with the amount of the Cash Value. Under Option A, the death benefit will vary as the Cash Value varies whenever the Cash Value multiplied by the applicable percentage exceeds the Face Amount. Under Option B, the amount of the death benefit will always vary as the Cash Value varies (but will never be less than the Face Amount).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Changing Death Benefit Options</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">After the first Policy Anniversary, you may change the death benefit option. We reserve the right to limit the number of changes in death benefit options to one per Policy Year. A request for a change must be made to our Administrative Office in writing. The effective date of such a change will be the Monthly Anniversary on or following the date we receive the change request. If an increase in Face Amount precedes or occurs concurrently with a change in death benefit option, the cost of insurance charge may be different for the amount of the increase.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Changing the death benefit option may result in a change in Face Amount. If an Owner changes from Option A to Option B, the Face Amount after the change will equal the Face Amount before the change LESS the Cash Value on the effective date of the change. Any written request to change from Option A to Option B must be accompanied by satisfactory evidence of insurability. We will not accept a change from Option A to Option B if doing so would reduce the Face Amount to less than $25,000. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If an Owner changes from Option B to Option A, the Face Amount after the change will equal the Face Amount before the change PLUS the Cash Value on the effective date of change. We will not impose any charges in connection with a change in death benefit option. Changing the death benefit option also may have tax consequences and may affect the net amount at risk over time (which would affect the monthly cost of insurance charge). However, we will not permit any change that would result in your Policy being disqualified as a life insurance contract under Section 7702 of the Code. You should consult a tax adviser before changing death benefit options. </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Changing Face Amount</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You select the Face Amount when applying for the Policy. Subject to certain limitations set forth below, you may increase or decrease the Face Amount of a Policy (without changing the death benefit option) after the first Policy Anniversary. We reserve the right to limit the number of changes in the Face Amount to one per Policy Year. A change in Face Amount may affect the cost of insurance rate and the net amount at risk, both of which affect your cost of insurance charge. Changing the Face Amount also may have federal income tax consequences and you should consult a tax adviser before doing so. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Face Amount Increases.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may increase the Face Amount by submitting a written request and providing satisfactory evidence of insurability. If approved, the increase will become effective on the Monthly Anniversary on or following receipt at our Administrative Office of the satisfactory evidence of insurability. The Insured must have an Attained Age of 80 or less on the effective date of the increase. The amount of the increase may not be less than $5,000, and the Face Amount may not be increased to more than the maximum Face Amount for that Policy. The maximum Face Amount varies by Group Contract. However, in connection with a particular Group Contract or Employer-sponsored insurance program, we may establish a substantially higher Face Amount for Policies issued under that Contract or Employer-sponsored insurance program. Although an increase need not necessarily be accompanied by additional premium, the Cash Surrender Value in effect immediately after the increase must be sufficient to cover the next monthly deduction. An increase in the Face Amount may result in certain additional charges. For example, we determine the cost of insurance separately for the initial Face Amount and for any increases in Face Amount. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Face Amount Decreases.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may decrease the Face Amount by written request to us. Any decrease in the Face Amount will become effective on the Monthly Anniversary on or following our receipt of the written request. The amount of the requested decrease must be at least $5,000 and the Face Amount remaining in force after any requested decrease may not be less than the minimum Face Amount, generally $25,000. If, following a decrease in Face Amount, the Policy would not comply with the maximum premium limitations required by federal tax law, we will (at your election) either limit the decrease or return Cash Value to you to the extent necessary to meet those requirements. A decrease in the Face Amount generally will reduce the net amount at risk, which will reduce the cost of insurance charges. (See “Charges and Deductions — Cost of Insurance Charge.”)</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under Option A, the death benefit is: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the current Face Amount of the Policy; or if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the applicable percentage of Cash Value on the date of death.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Under Option B, the death benefit is: </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the current Face Amount plus the Cash Value of the Policy; or if greater, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">the applicable percentage of the Cash Value on the date of death. The applicable percentage is the same as under Option A.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Which Death Benefit Option to Choose.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Owners who prefer to have favorable investment performance reflected in higher death benefits for the same Face Amount generally should select Option B. Owners who prefer to have favorable investment performance reflected in lower cost of insurance charges for the same Face Amount generally should select Option A.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The amount of the death benefit may vary with the amount of the Cash Value. Under Option A, the death benefit will vary as the Cash Value varies whenever the Cash Value multiplied by the applicable percentage exceeds the Face Amount. Under Option B, the amount of the death benefit will always vary as the Cash Value varies (but will never be less than the Face Amount).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;line-height:14pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">After the first Policy Anniversary, you may change the death benefit option. We reserve the right to limit the number of changes in death benefit options to one per Policy Year. A request for a change must be made to our Administrative Office in writing. The effective date of such a change will be the Monthly Anniversary on or following the date we receive the change request. If an increase in Face Amount precedes or occurs concurrently with a change in death benefit option, the cost of insurance charge may be different for the amount of the increase.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Changing the death benefit option may result in a change in Face Amount. If an Owner changes from Option A to Option B, the Face Amount after the change will equal the Face Amount before the change LESS the Cash Value on the effective date of the change. Any written request to change from Option A to Option B must be accompanied by satisfactory evidence of insurability. We will not accept a change from Option A to Option B if doing so would reduce the Face Amount to less than $25,000. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">If an Owner changes from Option B to Option A, the Face Amount after the change will equal the Face Amount before the change PLUS the Cash Value on the effective date of change. We will not impose any charges in connection with a change in death benefit option. Changing the death benefit option also may have tax consequences and may affect the net amount at risk over time (which would affect the monthly cost of insurance charge). However, we will not permit any change that would result in your Policy being disqualified as a life insurance contract under Section 7702 of the Code. You should consult a tax adviser before changing death benefit options. </span><span style="color:#000000;font-family:Arial Narrow;font-size:16pt;">Changing Face Amount</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">You select the Face Amount when applying for the Policy. Subject to certain limitations set forth below, you may increase or decrease the Face Amount of a Policy (without changing the death benefit option) after the first Policy Anniversary. We reserve the right to limit the number of changes in the Face Amount to one per Policy Year. A change in Face Amount may affect the cost of insurance rate and the net amount at risk, both of which affect your cost of insurance charge. Changing the Face Amount also may have federal income tax consequences and you should consult a tax adviser before doing so. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Face Amount Increases.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may increase the Face Amount by submitting a written request and providing satisfactory evidence of insurability. If approved, the increase will become effective on the Monthly Anniversary on or following receipt at our Administrative Office of the satisfactory evidence of insurability. The Insured must have an Attained Age of 80 or less on the effective date of the increase. The amount of the increase may not be less than $5,000, and the Face Amount may not be increased to more than the maximum Face Amount for that Policy. The maximum Face Amount varies by Group Contract. However, in connection with a particular Group Contract or Employer-sponsored insurance program, we may establish a substantially higher Face Amount for Policies issued under that Contract or Employer-sponsored insurance program. Although an increase need not necessarily be accompanied by additional premium, the Cash Surrender Value in effect immediately after the increase must be sufficient to cover the next monthly deduction. An increase in the Face Amount may result in certain additional charges. For example, we determine the cost of insurance separately for the initial Face Amount and for any increases in Face Amount. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Face Amount Decreases.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> You may decrease the Face Amount by written request to us. Any decrease in the Face Amount will become effective on the Monthly Anniversary on or following our receipt of the written request. The amount of the requested decrease must be at least $5,000 and the Face Amount remaining in force after any requested decrease may not be less than the minimum Face Amount, generally $25,000. If, following a decrease in Face Amount, the Policy would not comply with the maximum premium limitations required by federal tax law, we will (at your election) either limit the decrease or return Cash Value to you to the extent necessary to meet those requirements. A decrease in the Face Amount generally will reduce the net amount at risk, which will reduce the cost of insurance charges. (See “Charges and Deductions — Cost of Insurance Charge.”)</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">ADDITIONAL BENEFITS AND RIDERS </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">In addition to the standard death benefit associated with your Policy, other standard and/or optional benefits may also be available to you. The following table summarizes information about those benefits. Information about the </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">fees associated with each benefit included in the table may be found in the Fee Table. We currently offer the following riders under the Policy, subject to state availability:</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:157.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Monthly </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Deductions Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">waiver of monthly deductions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Insured is totally </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">disabled, including cost of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance and monthly Policy </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">expense charges, upon proof </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of disability.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Insured must have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">become disabled before age </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">65.</span></div></div></td></tr> <tr style="height:203pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Children’s Life Insurance </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides term </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death for any insured child.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected rider </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit, you may also need to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be on active status. You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should ask your Employer if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this benefit is included and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">whether you need to be on </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status in order to elect </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">it.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy issue may be subject to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">underwriting.</span></div></div></td></tr> <tr style="height:185.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Spouse’s Life Insurance </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death of the Insured’s </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected benefit, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you may also need to be on </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included and whether you </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">need to be on active status in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">order to elect it.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy issue may be subject to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">underwriting.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:161.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accelerated Death Benefit </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Settlement Option Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Under this rider, you may </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">receive an accelerated </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of a portion of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit if the Insured is </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">terminally ill.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Payment under this rider may </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affect eligibility for benefits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under state or federal law.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Will Preparation Service </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a will </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service available </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to you (subject to state </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The will </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service is made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Resolution Services </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services in the event </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you or your Spouse dies </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(subject to state variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services are made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Digital Estate Planning </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a Digital </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available to you (subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">state variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The Digital </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bereavement Services Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services are </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available by a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">third-party provider.</span></div></div></td></tr> <tr style="height:77.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Grief Counseling Services </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">grief counseling services to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The grief </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">counseling services are made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available by a third-party </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">provider.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:65.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Funeral Services Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">funeral services to you, your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse and children.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The funeral </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">services are made available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">by a third-party provider.</span></div></div></td></tr> <tr style="height:95pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dollar Cost Averaging </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer from the DWS </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Money Market </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">VIP Division to other </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Divisions a predetermined </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of money over a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specified period of time. </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span></div></div></td></tr> <tr style="height:65.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Automatic Portfolio </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rebalancing</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reallocate your Cash Value </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the elected Divisions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to return the allocation to the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentages you specify.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Additional Insurance Benefits </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Waiver of Monthly Deductions Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the waiver of the monthly deductions while the Insured is totally disabled, as defined in the rider. The insured must provide proof that they are unable to perform any other job for which the insured is fit by education, training or experience. The insured must have become disabled before age 65.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you are eligible for benefits under this rider, and have current premiums of $150 per month including a $50 optional investment premium, we will waive $100 per month so your life insurance coverage remains in force.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Children’s Life Insurance Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for term insurance on the Insured’s children, as defined in the rider. To be eligible for insurance under the rider, the child to be insured must not be confined in a hospital at the time the application is signed. The death benefit will be payable to the named Beneficiary upon the death of any insured child. Upon receipt at our Administrative Office of proof of the Insured’s death before the rider terminates, the rider will be continued on a fully paid-up term insurance basis.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you have $5,000 of coverage under this rider, and your child dies while the child rider is in force, we will pay $5,000 in death benefit to the Beneficiary upon the death of the child.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Spouse’s Life Insurance Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The Spouse’s Life Insurance Benefit can be provided by rider or by a separate Policy, depending upon what is available under your Group. This benefit provides insurance on the Employee’s Spouse, as defined in the rider or Policy, as applicable. To be eligible for insurance under the benefit, the Spouse must provide evidence of insurability at the time the application is signed. The death benefit will be payable to the named Beneficiary upon the death of the Spouse. Under the Spouse’s life insurance rider, if we receive at our Administrative Office proof of the Insured’s death before the Policy Anniversary nearest the Spouse’s 65th birthday, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">a limited 60-day continuation and exchange period begins, during which this rider may be exchanged for a new fixed-benefit policy on the life of the Spouse. If the Spouse’s Policy was owned by the Employee, then the Employee’s estate can continue the coverage, make an ownership change or surrender the Policy. If the Spouse’s Policy is surrendered, the Spouse can convert the coverage to an Individual Policy. If the Spouse’s Policy is owned by the Spouse, then the Spouse’s Policy will continue after the death of the Employee. The Spouse’s Life Insurance Rider differs from a Spouse’s Policy in that the rider provides only term insurance on the life of the Spouse and does not provide for the accumulation of its own Cash Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you have $10,000 of coverage under this benefit, and your legal Spouse dies while the Spouse benefit is in force, we will pay $10,000 in death benefit to the Beneficiary upon the death of the Spouse.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Accelerated Death Benefit Settlement Option Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the accelerated payment of a portion of death benefit proceeds in a single sum to the Owner if the Insured is terminally ill and expected to die within less than 12 months (subject to state variations). Any irrevocable Beneficiary and assignees of record must provide written authorization in order for the Owner to receive the accelerated benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The amount of the death benefit payable under the rider will equal up to 85% of the Face Amount under the Policy on the date we receive satisfactory evidence of the terminal illness as described above, less any Indebtedness. We do not currently impose a charge for this rider. However, we reserve the right to deduct an administrative charge of $100 from the accelerated death benefit at the time it is paid.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The federal income tax consequences associated with adding or receiving benefits under the Accelerated Death Benefit Settlement Option Rider are unclear. You should consult a qualified tax adviser about the consequences of adding this rider to a Policy or requesting an accelerated death benefit payment under this rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you are eligible for benefits under the Accelerated Death Benefit Settlement Option Rider and have a Face Amount of $100,000 with no Cash Value, you may elect to receive up to $85,000 of the death benefit proceeds (less any loans and loan interest) prior to Your death.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Will Preparation Service Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. This rider provides you with a will preparation service (“Service”) while this rider and the Policy are in force. This Service is made available to you, at no cost, through a MetLife affiliate (“Affiliate”). This Service provides for a will to be prepared by attorneys designated by the Affiliate for you and your Spouse. If you have a will prepared by an attorney not designated by the Affiliate, you must pay the attorney’s services directly. Upon proof of such payment, you will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount you paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you decide that you would like to have a codicil to your will prepared, this Service enables you to work one-on-one with an attorney, in-person, on the phone, or online to prepare the codicil to your will free of charge, subject to state variations.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Estate Resolution Services Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. If you or your Spouse die while this rider and the Policy are in force, a probate benefit (the “Benefit”) will be made available to the estate of the deceased. The Benefit is available through an Affiliate. The Benefit provides for certain probate services to be made available, free of charge, by attorneys designated by the Affiliate. If probate services are provided by an attorney not designated by the Affiliate, the estate of the deceased must pay for those attorney’s services directly. Upon proof of such payment, the estate of the deceased will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount such estate paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, the executor of your estate may use the Benefit to receive unlimited consultations, either face-to-face with an attorney or by phone to assist in settling your estate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Digital Estate Planning</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. A Digital Estate Planning Platform is included with Group Variable Universal Life (GVUL) Insurance at no additional cost. MetLife has arranged for this platform to be provided by a MetLife affiliate (the "Affiliate"). This platform will be made available to Employees and their Spouses through legalplans.com/estateplanning and includes facilitation of the selection, completion and execution of common estate planning documents.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Beneficiary and Bereavement Services</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Beneficiary and Bereavement Services are included with Group Variable Universal Life (GVUL) Insurance for no additional premium. MetLife may arrange for some portion of these services to be provided to Owners and Beneficiaries by a third-party provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Grief Counseling Services Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Employees who become insured under the Group Contract are eligible to receive non-insured grief counseling services at no additional premium. MetLife has arranged for these services to be provided to Employees through a third-party service provider. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third-party service provider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Funeral Services Discount Disclosure</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Employees who become insured under the Group Contract are eligible to receive discounts of up to 10% off the service provider’s standard price for certain funeral services including funeral, cremation and cemetery products and services provided by a third-party national network of funeral and funeral planning providers while such insurance remains in effect.</span><span style="color:#000000;font-family:Arial Narrow;font-size:13pt;">Automatic Investment Strategies</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Dollar Cost Averaging. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">This investment strategy allows you to automatically transfer a predetermined amount of money from the DWS Government Money Market VIP Division to a number of available Divisions of the Separate Account. Based on the elected investment allocations for this investment strategy, Dollar Cost Averaging occurs after the close of business on each Monthly Anniversary or after close of business on the next business day following each Monthly Anniversary should your Monthly Anniversary fall on a non-business day (weekend or holiday) as long as all other requirements are met. The portion of the Policy’s Cash Value in the DWS Government Money Market VIP Division must be greater than or equal to $1,000. The minimum total monthly transfer amount must be greater than or equal to $100.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Dollar Cost Averaging does not assure a profit or protect against a loss in declining markets. It involves continuous investment in securities regardless of price fluctuations. An investor should consider his/her ability to continue purchases in periods of low price levels.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you elected the Dollar Cost Averaging and selected $12,000 of Cash Value to be transferred from the DWS Government Money Market VIP Division to specified other Divisions that you choose, over a 12 month period we will transfer $1,000 each month for 12 months.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Automatic Portfolio Rebalancing. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">This investment strategy allows you to automatically reallocate your Cash Value among the elected Divisions to return the allocation to the percentages you specify. This rebalancing occurs annually after the close of business on your Policy anniversary or after the close of business on the next business day following your Policy anniversary should your Policy anniversary fall on a non-business day (holiday or weekend).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Annual Automatic Portfolio Rebalancing does not assure a profit or protect against a loss in declining markets.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you allocated 25% to each of four Divisions, after the close of business on your Policy anniversary, or after the close of business on the next business day following your Policy anniversary should your Policy anniversary fall on a non-business day (holiday or weekend), we will transfer amounts among those four Divisions so that there is 25% of your Policy’s Cash Value in each Division.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The automated transfers under these investment strategies will not count towards frequent transfer constraints or transfer limitations. However, we reserve the right to include them if we decide to restrict transfers under the terms of the Policy.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:157.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Monthly </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Deductions Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">waiver of monthly deductions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Insured is totally </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">disabled, including cost of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance and monthly Policy </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">expense charges, upon proof </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of disability.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Insured must have </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">become disabled before age </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">65.</span></div></div></td></tr> <tr style="height:203pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Children’s Life Insurance </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides term </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death for any insured child.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected rider </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit, you may also need to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be on active status. You </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should ask your Employer if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this benefit is included and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">whether you need to be on </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status in order to elect </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">it.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy issue may be subject to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">underwriting.</span></div></div></td></tr> <tr style="height:185.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Spouse’s Life Insurance </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death of the Insured’s </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected benefit, </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you may also need to be on </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included and whether you </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">need to be on active status in </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">order to elect it.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy issue may be subject to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">underwriting.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:161.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accelerated Death Benefit </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Settlement Option Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Under this rider, you may </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">receive an accelerated </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of a portion of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit if the Insured is </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">terminally ill.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Payment under this rider may </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affect eligibility for benefits </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under state or federal law.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Will Preparation Service </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a will </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service available </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to you (subject to state </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The will </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service is made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Resolution Services </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services in the event </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you or your Spouse dies </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(subject to state variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services are made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Digital Estate Planning </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a Digital </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available to you (subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">state variations).</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The Digital </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform is </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span></div></div></td></tr> <tr style="height:83pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bereavement Services Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services are </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available by a </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">third-party provider.</span></div></div></td></tr> <tr style="height:77.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Grief Counseling Services </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">grief counseling services to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The grief </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">counseling services are made </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available by a third-party </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">provider.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">NAME OF</span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BENEFIT</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PURPOSE</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">IS BENEFIT</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">STANDARD</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OPTIONAL?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">BRIEF DESCRIPTION</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OF RESTRICTIONS</span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">OR LIMITATIONS</span></div></div></td></tr> <tr style="height:65.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Funeral Services Rider</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">funeral services to you, your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse and children.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:1.375pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The funeral </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">services are made available </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">by a third-party provider.</span></div></div></td></tr> <tr style="height:95pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dollar Cost Averaging </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer from the DWS </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Money Market </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">VIP Division to other </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Divisions a predetermined </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of money over a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specified period of time. </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.125pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span></div></div></td></tr> <tr style="height:65.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Automatic Portfolio </span></div> <div style="margin-left:4pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rebalancing</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reallocate your Cash Value </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the elected Divisions </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to return the allocation to the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentages you specify.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:120.75pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:5pt;padding-top:4.125pt;vertical-align:Top;width:122.25pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span></div> <div style="margin-left:2.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Waiver of Monthly </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Deductions Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides for the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">waiver of monthly deductions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Insured is totally </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">disabled, including cost of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance and monthly Policy </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">expense charges, upon proof </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of disability.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Insured must have </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">become disabled before age </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">65.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Children’s Life Insurance </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides term </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death for any insured child.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected rider </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit, you may also need to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be on active status. You </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">should ask your Employer if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">this benefit is included and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">whether you need to be on </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status in order to elect </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">it.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy issue may be subject to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">underwriting.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Spouse’s Life Insurance </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">insurance in an amount </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">selected at issue upon proof </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of death of the Insured’s </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may choose to add this </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit if your Employer </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">makes the benefit available. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Depending upon your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employer’s elected benefit, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you may also need to be on </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">active status. You should ask </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included and whether you </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">need to be on active status in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">order to elect it.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Coverage applied for after </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Policy issue may be subject to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">underwriting.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Accelerated Death Benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Settlement Option Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Under this rider, you may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">receive an accelerated </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">payment of a portion of your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">death benefit if the Insured is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">terminally ill.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard if </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">elected by the Employer at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the group level. There is no </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">individual election at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee level, and the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Employee may not terminate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the benefit. You should ask </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer if this benefit </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is included.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Payment under this rider may </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affect eligibility for benefits </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">under state or federal law.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Will Preparation Service </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a will </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service available </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to you (subject to state </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">variations).</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The will </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">preparation service is made </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Estate Resolution Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This rider provides certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services in the event </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">you or your Spouse dies </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(subject to state variations).</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">probate services are made </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available through a MetLife </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">affiliate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Digital Estate Planning </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife makes a Digital </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available to you (subject to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">state variations).</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The Digital </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate Planning Platform is </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available through a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife affiliate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Bereavement Services Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">bereavement services are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">made available by a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">third-party provider.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Grief Counseling Services </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">grief counseling services to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The grief </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">counseling services are made </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available by a third-party </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">provider.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Funeral Services Rider</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This benefit provides certain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">funeral services to you, your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Spouse and children.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The rider is standard unless </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">your Employer decides not to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">make it available. The funeral </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">services are made available </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">by a third-party provider.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Dollar Cost Averaging </span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfer from the DWS </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Money Market </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">VIP Division to other </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Divisions a predetermined </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of money over a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specified period of time. </span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Annual Automatic Portfolio </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">Rebalancing</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allows you to automatically </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reallocate your Cash Value </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">among the elected Divisions </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to return the allocation to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">percentages you specify.</span> true <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You may not elect both Dollar </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cost Averaging and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatic Rebalancing at the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">same time.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Waiver of Monthly Deductions Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the waiver of the monthly deductions while the Insured is totally disabled, as defined in the rider. The insured must provide proof that they are unable to perform any other job for which the insured is fit by education, training or experience. The insured must have become disabled before age 65.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you are eligible for benefits under this rider, and have current premiums of $150 per month including a $50 optional investment premium, we will waive $100 per month so your life insurance coverage remains in force.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Children’s Life Insurance Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for term insurance on the Insured’s children, as defined in the rider. To be eligible for insurance under the rider, the child to be insured must not be confined in a hospital at the time the application is signed. The death benefit will be payable to the named Beneficiary upon the death of any insured child. Upon receipt at our Administrative Office of proof of the Insured’s death before the rider terminates, the rider will be continued on a fully paid-up term insurance basis.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you have $5,000 of coverage under this rider, and your child dies while the child rider is in force, we will pay $5,000 in death benefit to the Beneficiary upon the death of the child.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Spouse’s Life Insurance Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-style:italic;font-weight:bold;">.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> The Spouse’s Life Insurance Benefit can be provided by rider or by a separate Policy, depending upon what is available under your Group. This benefit provides insurance on the Employee’s Spouse, as defined in the rider or Policy, as applicable. To be eligible for insurance under the benefit, the Spouse must provide evidence of insurability at the time the application is signed. The death benefit will be payable to the named Beneficiary upon the death of the Spouse. Under the Spouse’s life insurance rider, if we receive at our Administrative Office proof of the Insured’s death before the Policy Anniversary nearest the Spouse’s 65th birthday, </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">a limited 60-day continuation and exchange period begins, during which this rider may be exchanged for a new fixed-benefit policy on the life of the Spouse. If the Spouse’s Policy was owned by the Employee, then the Employee’s estate can continue the coverage, make an ownership change or surrender the Policy. If the Spouse’s Policy is surrendered, the Spouse can convert the coverage to an Individual Policy. If the Spouse’s Policy is owned by the Spouse, then the Spouse’s Policy will continue after the death of the Employee. The Spouse’s Life Insurance Rider differs from a Spouse’s Policy in that the rider provides only term insurance on the life of the Spouse and does not provide for the accumulation of its own Cash Value.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you have $10,000 of coverage under this benefit, and your legal Spouse dies while the Spouse benefit is in force, we will pay $10,000 in death benefit to the Beneficiary upon the death of the Spouse.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Accelerated Death Benefit Settlement Option Rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;"> This rider provides for the accelerated payment of a portion of death benefit proceeds in a single sum to the Owner if the Insured is terminally ill and expected to die within less than 12 months (subject to state variations). Any irrevocable Beneficiary and assignees of record must provide written authorization in order for the Owner to receive the accelerated benefit.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The amount of the death benefit payable under the rider will equal up to 85% of the Face Amount under the Policy on the date we receive satisfactory evidence of the terminal illness as described above, less any Indebtedness. We do not currently impose a charge for this rider. However, we reserve the right to deduct an administrative charge of $100 from the accelerated death benefit at the time it is paid.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The federal income tax consequences associated with adding or receiving benefits under the Accelerated Death Benefit Settlement Option Rider are unclear. You should consult a qualified tax adviser about the consequences of adding this rider to a Policy or requesting an accelerated death benefit payment under this rider.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you are eligible for benefits under the Accelerated Death Benefit Settlement Option Rider and have a Face Amount of $100,000 with no Cash Value, you may elect to receive up to $85,000 of the death benefit proceeds (less any loans and loan interest) prior to Your death.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Will Preparation Service Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. This rider provides you with a will preparation service (“Service”) while this rider and the Policy are in force. This Service is made available to you, at no cost, through a MetLife affiliate (“Affiliate”). This Service provides for a will to be prepared by attorneys designated by the Affiliate for you and your Spouse. If you have a will prepared by an attorney not designated by the Affiliate, you must pay the attorney’s services directly. Upon proof of such payment, you will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount you paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you decide that you would like to have a codicil to your will prepared, this Service enables you to work one-on-one with an attorney, in-person, on the phone, or online to prepare the codicil to your will free of charge, subject to state variations.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Estate Resolution Services Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. If you or your Spouse die while this rider and the Policy are in force, a probate benefit (the “Benefit”) will be made available to the estate of the deceased. The Benefit is available through an Affiliate. The Benefit provides for certain probate services to be made available, free of charge, by attorneys designated by the Affiliate. If probate services are provided by an attorney not designated by the Affiliate, the estate of the deceased must pay for those attorney’s services directly. Upon proof of such payment, the estate of the deceased will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount such estate paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, the executor of your estate may use the Benefit to receive unlimited consultations, either face-to-face with an attorney or by phone to assist in settling your estate.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Digital Estate Planning</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. A Digital Estate Planning Platform is included with Group Variable Universal Life (GVUL) Insurance at no additional cost. MetLife has arranged for this platform to be provided by a MetLife affiliate (the "Affiliate"). This platform will be made available to Employees and their Spouses through legalplans.com/estateplanning and includes facilitation of the selection, completion and execution of common estate planning documents.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Beneficiary and Bereavement Services</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Beneficiary and Bereavement Services are included with Group Variable Universal Life (GVUL) Insurance for no additional premium. MetLife may arrange for some portion of these services to be provided to Owners and Beneficiaries by a third-party provider.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Grief Counseling Services Rider</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Employees who become insured under the Group Contract are eligible to receive non-insured grief counseling services at no additional premium. MetLife has arranged for these services to be provided to Employees through a third-party service provider. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third-party service provider.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Funeral Services Discount Disclosure</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">. Employees who become insured under the Group Contract are eligible to receive discounts of up to 10% off the service provider’s standard price for certain funeral services including funeral, cremation and cemetery products and services provided by a third-party national network of funeral and funeral planning providers while such insurance remains in effect.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Dollar Cost Averaging. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">This investment strategy allows you to automatically transfer a predetermined amount of money from the DWS Government Money Market VIP Division to a number of available Divisions of the Separate Account. Based on the elected investment allocations for this investment strategy, Dollar Cost Averaging occurs after the close of business on each Monthly Anniversary or after close of business on the next business day following each Monthly Anniversary should your Monthly Anniversary fall on a non-business day (weekend or holiday) as long as all other requirements are met. The portion of the Policy’s Cash Value in the DWS Government Money Market VIP Division must be greater than or equal to $1,000. The minimum total monthly transfer amount must be greater than or equal to $100.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Dollar Cost Averaging does not assure a profit or protect against a loss in declining markets. It involves continuous investment in securities regardless of price fluctuations. An investor should consider his/her ability to continue purchases in periods of low price levels.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you elected the Dollar Cost Averaging and selected $12,000 of Cash Value to be transferred from the DWS Government Money Market VIP Division to specified other Divisions that you choose, over a 12 month period we will transfer $1,000 each month for 12 months.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;font-weight:bold;">Annual Automatic Portfolio Rebalancing. </span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">This investment strategy allows you to automatically reallocate your Cash Value among the elected Divisions to return the allocation to the percentages you specify. This rebalancing occurs annually after the close of business on your Policy anniversary or after the close of business on the next business day following your Policy anniversary should your Policy anniversary fall on a non-business day (holiday or weekend).</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">Annual Automatic Portfolio Rebalancing does not assure a profit or protect against a loss in declining markets.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">For example, if you allocated 25% to each of four Divisions, after the close of business on your Policy anniversary, or after the close of business on the next business day following your Policy anniversary should your Policy anniversary fall on a non-business day (holiday or weekend), we will transfer amounts among those four Divisions so that there is 25% of your Policy’s Cash Value in each Division.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The automated transfers under these investment strategies will not count towards frequent transfer constraints or transfer limitations. However, we reserve the right to include them if we decide to restrict transfers under the terms of the Policy.</span> <span style="color:#000000;font-family:Arial;font-size:16pt;font-weight:bold;">APPENDIX A: PORTFOLIOS AVAILABLE UNDER THE POLICY</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following is a list of the Portfolios currently available under the Policy. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at dfinview.com/metlife/PUFT/MET000242. You can also request this information at no cost by calling (800) 756-0124 or by sending an email request to GVUL-eservice@metlifecommercial.com.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The current expenses and performance information below reflects fees and expenses of the Portfolios, but does not reflect the other fees and expenses that the Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">*</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">##</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Effective April 28, 2025, the SSGA Emerging Markets Enhanced Index Portfolio II (formerly Brighthouse/abrdn Emerging Markets Equity Portfolio) of the Brighthouse Funds Trust I merged with and into the SSGA Emerging Markets Enhanced Index Portfolio of Brighthouse Funds Trust I. Values prior to April 28, 2025 reflect the performance of the SSGA Emerging Markets Enhanced Index Portfolio II.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The fee and expense information regarding the Portfolios was provided by those Portfolios.</span> <span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The following is a list of the Portfolios currently available under the Policy. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at dfinview.com/metlife/PUFT/MET000242. You can also request this information at no cost by calling (800) 756-0124 or by sending an email request to GVUL-eservice@metlifecommercial.com.</span><span style="color:#000000;font-family:Times New Roman;font-size:11pt;">The current expenses and performance information below reflects fees and expenses of the Portfolios, but does not reflect the other fees and expenses that the Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance.</span> <br/><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:36.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">All-Cap Opportunities Portfolio* -</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Associates, Inc. (T. Rowe Price or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Price Associates)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.80%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">16.30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.22%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">16.93%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contrafund</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">21.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.78%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">DWS CROCI</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> International VIP* - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">DWS Investment Management Americas Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">44.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.86%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.21%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">DWS Government Money Market VIP - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">DWS Investment Management Americas Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.39%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.96%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.97%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.87%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity-Income Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.46%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.02%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.60%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2010 Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.38%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.73%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2020 Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.33%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">4.84%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.38%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2030 Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.49%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.88%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2040 Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.57%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">18.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.87%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2050 Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.08%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2060 Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">19.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.92%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17.45%</span></div></div></td></tr> <tr style="height:36.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index 500 Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Geode Capital Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.09%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17.78%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.31%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.70%</span></div></div></td></tr> <tr style="height:36.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Limited-Term Bond Portfolio* -</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Associates, Inc. (T. Rowe Price or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Price Associates)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.50%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.71%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.17%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.34%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:48.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index Portfolio - Class A</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.30%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.66%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">9.55%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Global Equity Series* - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Massachusetts Financial Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.72%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.91%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Growth Series* - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Massachusetts Financial Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.73%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">12.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.60%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Cap Portfolio - Initial Class</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">11.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.59%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Moderate Allocation Portfolio* -</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Associates, Inc. (T. Rowe Price or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Price Associates)</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Hong Kong Limited &amp; </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Investment Management, Inc., T. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Rowe Price International Ltd</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.84%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT High Yield Fund - Class IA</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Franklin Advisers, Inc.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Franklin Templeton Investment Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">8.86%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">4.28%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5.94%</span></div></div></td></tr> <tr style="height:72.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT Income Fund - Class IA</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Franklin Advisers, Inc.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam Investment Management, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Franklin Templeton Investment Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.57%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">7.45%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">-0.89%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.15%</span></div></div></td></tr> <tr style="height:60.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT Large Cap Growth Fund - Class IA</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Putnam Investment Management, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin Advisers, Inc.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Franklin Templeton Investment Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">17.95%</span></div></div></td></tr> <tr style="height:60.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT Large Cap Value Fund - Class IA</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Putnam Investment Management, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin Advisers, Inc.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Franklin Templeton Investment Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">20.66%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">15.68%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">13.58%</span></div></div></td></tr> <tr style="height:60.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT Sustainable Leaders Fund - Class IA</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Putnam Investment Management, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin Advisers, Inc.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Franklin Templeton Investment Management </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Limited</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.63%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.99%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10.62%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">14.98%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:486pt;"> <tr style="height:49.25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">FUND</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">PORTFOLIO AND</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">CURRENT</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">EXPENSES</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:111.23pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">AVERAGE ANNUAL</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">TOTAL RETURNS</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">1</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">5</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">10</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">YEAR</span></div></div></td></tr> <tr style="height:72.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:107.7pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Equity</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:208.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">State Street Emerging Markets Enhanced Index </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class A (formerly known as SSGA </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Emerging Markets Enhanced Index Portfolio</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">##</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class A)</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Subadviser: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">SSGA Funds Management, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:58.66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.55%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">34.45%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:37.91pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">6.31%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Middle;width:35.41pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> — </span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">All-Cap Opportunities Portfolio* -</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Associates, Inc. (T. Rowe Price or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Price Associates)</span> 0.0080 0.1630 0.1222 0.1693 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contrafund</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0054 0.2152 0.1537 0.1578 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">DWS CROCI</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> International VIP* - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">DWS Investment Management Americas Inc.</span> 0.0079 0.4490 0.1086 0.0821 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">DWS Government Money Market VIP - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">DWS Investment Management Americas Inc.</span> 0.0039 0.0396 0.0297 0.0187 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Equity-Income Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0046 0.1902 0.1251 0.1160 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2010 Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0038 0.1053 0.0315 0.0573 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2020 Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0044 0.1333 0.0484 0.0738 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2030 Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0049 0.1552 0.0625 0.0888 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2040 Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0057 0.1879 0.0901 0.1087 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2050 Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0060 0.1979 0.0943 0.1108 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Target Date</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Freedom 2060 Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0060 0.1983 0.0944 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0055 0.1492 0.1370 0.1745 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index 500 Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Geode Capital Management, LLC</span> 0.0009 0.1778 0.1431 0.1470 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Limited-Term Bond Portfolio* -</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Associates, Inc. (T. Rowe Price or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Price Associates)</span> 0.0050 0.0571 0.0217 0.0234 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Russell 2000</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index Portfolio - Class A</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MetLife Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span> 0.0030 0.1266 0.0599 0.0955 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Global Equity Series* - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Massachusetts Financial Services Company</span> 0.0093 0.1359 0.0572 0.0891 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">®</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Growth Series* - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Massachusetts Financial Services Company</span> 0.0073 0.1219 0.1110 0.1560 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Cap Portfolio - Initial Class</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0055 0.1175 0.1010 0.1059 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Moderate Allocation Portfolio* -</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Associates, Inc. (T. Rowe Price or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Price Associates)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price Hong Kong Limited &amp; </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">T. Rowe Price Investment Management, Inc., T. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Rowe Price International Ltd</span> 0.0085 0.1450 0.0550 0.0784 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT High Yield Fund - Class IA</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Franklin Advisers, Inc.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Franklin Templeton Investment Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Limited</span> 0.0071 0.0886 0.0428 0.0594 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Fixed Income</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT Income Fund - Class IA</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Franklin Advisers, Inc.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam Investment Management, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">LLC</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Franklin Templeton Investment Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Limited</span> 0.0057 0.0745 -0.0089 0.0215 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT Large Cap Growth Fund - Class IA</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Putnam Investment Management, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin Advisers, Inc.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Franklin Templeton Investment Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Limited</span> 0.0062 0.1458 0.1371 0.1795 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT Large Cap Value Fund - Class IA</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Putnam Investment Management, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin Advisers, Inc.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Franklin Templeton Investment Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Limited</span> 0.0054 0.2066 0.1568 0.1358 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">US Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT Sustainable Leaders Fund - Class IA</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Putnam Investment Management, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin Advisers, Inc.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Franklin Templeton Investment Management </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Limited</span> 0.0063 0.1099 0.1062 0.1498 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Equity</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">State Street Emerging Markets Enhanced Index </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio - Class A (formerly known as SSGA </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Emerging Markets Enhanced Index Portfolio</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">##</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> - </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class A)</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">Brighthouse Investment Advisers, LLC</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">SSGA Funds Management, Inc.</span> 0.0055 0.3445 0.0631 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.</span>