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#000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:10.35pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Charges for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:336pt;"> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">If you surrender your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> (or if you change your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> to </span><a href="#bookmark_paidup_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Paid-up</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> insurance) </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">in the first </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">ten</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.12pt;margin-left:0.0pt;"> </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> you will be assessed a surrender charge of up 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:Arial;font-size:9.20pt;margin-left:0.0pt;">50</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">% of the </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">For example, if you surrender your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> and your total </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Target Premium </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">amount was $100,000, you could pay a surrender charge of up to $</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">50,000</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">. </span></div></div> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">Withdrawals are subject to a $25 service charge (currently waived) for 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:Arial;font-size:9.20pt;margin-left:0.0pt;">withdrawal request.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fee and Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Tables – Transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fees (Surrender </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Charge and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Withdrawal Fee)</span></div></div> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Also see </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Information About </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">the Policy – Other </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Benefits Available </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Under the Policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">(Paid-Up Insurance) </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:523pt;table-layout:auto;"> <tr style="height:142pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:10.35pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Charges for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:336pt;"> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">If you surrender your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> (or if you change your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> to </span><a href="#bookmark_paidup_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Paid-up</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> insurance) </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">in the first </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">ten</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.12pt;margin-left:0.0pt;"> </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> you will be assessed a surrender charge of up 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:Arial;font-size:9.20pt;margin-left:0.0pt;">50</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">% of the </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">For example, if you surrender your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> and your total </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Target Premium </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">amount was $100,000, you could pay a surrender charge of up to $</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">50,000</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">. </span></div></div> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">Withdrawals are subject to a $25 service charge (currently waived) for 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:Arial;font-size:9.20pt;margin-left:0.0pt;">withdrawal request.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fee and Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Tables – Transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fees (Surrender </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Charge and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Withdrawal Fee)</span></div></div> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Also see </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Information About </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">the Policy – Other </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Benefits Available </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Under the Policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">(Paid-Up Insurance) </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:523pt;table-layout:auto;"> <tr style="height:109pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:10.35pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">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:336pt;"> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">In addition to surrender charges and withdrawal charges, you may also be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">charged for other transactions, such as certain tax-related charges, a front-end </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">sales load, charges for transferring between investment options, requesting </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">more than one illustration in a </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy Year</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">, changes to your </span><a href="#bookmark_deathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Death Benefit </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">option or </span><a href="#bookmark_specifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Specified Amount</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">, as well as charges for expedited delivery or wire </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">transfers.</span></div></div> <div style="line-height:11.12pt;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:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Administrative Fee.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> We assess a one-time administrative fee of up to $250 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">when you exercise the Terminal Illness Benefit.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fee and Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Tables – Transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fees </span></div></div> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fees and Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Tables – Periodic </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Charges (Other than </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolio Operating </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Expenses)</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:523pt;table-layout:auto;"> <tr style="height:109pt;"> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:10.35pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Expenses</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">(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:336pt;"> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">In addition to the charges above, investment in the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> is subject to ongoing </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">fees and expenses, including fees covering the cost of insurance and optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">benefits available under the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">. These fees are based on information as 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:Arial;font-size:9.20pt;margin-left:0.0pt;">December 31, 2025, may change from year to year, and are generally based on </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">characteristics of the insured (e.g., age, sex and rating classification). 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:Arial;font-size:9.20pt;margin-left:0.0pt;">should review your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> specifications page for specific rates applicable under </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">You bear the expenses associated with the </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> available under your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">, the range for which is shown in the following table:</span></div></div></td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fee and Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Tables – Periodic </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Charges (Other than </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolio Operating </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Expenses) </span></div></div> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fee and Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Tables – Annual </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolio Operating </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">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:192pt;"> <div style="line-height:10.35pt;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:Arial;font-size:8.50pt;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:72pt;"> <div style="line-height:10.35pt;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:Arial;font-size:8.50pt;font-weight:bold;">Minimum*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:72pt;"> <div style="line-height:10.35pt;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:Arial;font-size:8.50pt;font-weight:bold;">Maximum*</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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:192pt;"> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">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:Arial;font-size:9.20pt;margin-left:0.0pt;">(</span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> company</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">fees and expenses)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:72pt;"> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;">0.14%</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:72pt;"> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;">2.50%</span></div></div></td></tr> <tr style="height:14.5pt;"> <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:336pt;"> <div style="line-height:9.740pt;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:Arial;font-size:7.36pt;margin-left:0.0pt;">* As a percentage of Portfolio assets.</span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a></div></div></td></tr></table> 10 0.50 50000 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:109pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:10.35pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">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:336pt;"> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">In addition to surrender charges and withdrawal charges, you may also be </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">charged for other transactions, such as certain tax-related charges, a front-end </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">sales load, charges for transferring between investment options, requesting </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">more than one illustration in a </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy Year</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">, changes to your </span><a href="#bookmark_deathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Death Benefit </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">option or </span><a href="#bookmark_specifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Specified Amount</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">, as well as charges for expedited delivery or wire </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">transfers.</span></div></div> <div style="line-height:11.12pt;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:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Administrative Fee.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> We assess a one-time administrative fee of up to $250 </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">when you exercise the Terminal Illness Benefit.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fee and Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Tables – Transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fees </span></div></div> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fees and Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Tables – Periodic </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Charges (Other than </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolio Operating </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Expenses)</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:523pt;table-layout:auto;"> <tr style="height:109pt;"> <td rowspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:10.35pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Ongoing Fees and </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Expenses</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">(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:336pt;"> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">In addition to the charges above, investment in the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> is subject to ongoing </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">fees and expenses, including fees covering the cost of insurance and optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">benefits available under the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">. These fees are based on information as 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:Arial;font-size:9.20pt;margin-left:0.0pt;">December 31, 2025, may change from year to year, and are generally based on </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">characteristics of the insured (e.g., age, sex and rating classification). 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:Arial;font-size:9.20pt;margin-left:0.0pt;">should review your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> specifications page for specific rates applicable under </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">.</span></div></div> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">You bear the expenses associated with the </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> available under your </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">, the range for which is shown in the following table:</span></div></div></td> <td rowspan="4" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fee and Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Tables – Periodic </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Charges (Other than </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolio Operating </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Expenses) </span></div></div> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fee and Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Tables – Annual </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolio Operating </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">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:192pt;"> <div style="line-height:10.35pt;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:Arial;font-size:8.50pt;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:72pt;"> <div style="line-height:10.35pt;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:Arial;font-size:8.50pt;font-weight:bold;">Minimum*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:72pt;"> <div style="line-height:10.35pt;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:Arial;font-size:8.50pt;font-weight:bold;">Maximum*</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:2.125pt;padding-top:2.125pt;vertical-align:Top;width:192pt;"> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">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:Arial;font-size:9.20pt;margin-left:0.0pt;">(</span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> company</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">fees and expenses)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:72pt;"> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;">0.14%</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:72pt;"> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;">2.50%</span></div></div></td></tr> <tr style="height:14.5pt;"> <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:336pt;"> <div style="line-height:9.740pt;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:Arial;font-size:7.36pt;margin-left:0.0pt;">* As a percentage of Portfolio assets.</span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a></div></div></td></tr></table> 0.0014 0.0250 <span style="color:#000000;font-family:Arial;font-size:7.36pt;margin-left:0.0pt;">* As a percentage of Portfolio assets.</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;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:10.35pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">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;vertical-align:Top;width:336pt;"> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">You can lose money by investing in the Policy, including loss of principal.</span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Risks of the Policy – </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Investment Risk and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">The Funds</span></div></div></td></tr> <tr style="height:56.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:9.35pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Not a Short-Term </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Investment</span></div></div></td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:336pt;"> <div style="line-height:10.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">The Policy is not a short-term investment and is not appropriate for you if you </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">need ready access to cash. Surrender charges apply in the first 10 </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy Years </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">and the value of your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> and life insurance benefit will be reduced if 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:Arial;font-size:9.20pt;margin-left:0.0pt;">withdraw money. In addition, short-term investment in the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> may subject </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">you to income taxes and tax penalties.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:10.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Risks of the Policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">for Long-Term </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Protection</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:523pt;table-layout:auto;"> <tr style="height:109pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:10.35pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Risks Associated </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">with Investment </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Options</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:336pt;"> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">Investment in the Policy is subject to the risk of poor investment performance </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">and can vary depending on the performance of 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:Arial;font-size:9.20pt;margin-left:0.0pt;">(</span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">) available under the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">. Each </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> (and any fixed account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">investment option) will have its own unique risks and you should review these </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">investment options before making an investment decision.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Risks of the Policy – </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Investment Risk</span></div></div> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Also see The Funds </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">and The Fixed </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Option (NM </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Strength and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Stability Account) </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">sections </span></div></div></td></tr> <tr style="height:59pt;"> <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:93.5pt;"> <div style="line-height:10.35pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Insurance Company </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Risks</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:336pt;"> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">Investment in the Policy is subject to the risks related to Northwestern Mutual, </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a><a href="#bookmark_northwesternmutual_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">and any obligations (including under any fixed account 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:Arial;font-size:9.20pt;margin-left:0.0pt;">guarantees, or benefits are subject to the claims-paying ability of </span><a href="#bookmark_northwesternmutual_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Northwestern </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_northwesternmutual_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Mutual</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">. More information about </span><a href="#bookmark_northwesternmutual_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Northwestern Mutual</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">, 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:Arial;font-size:9.20pt;margin-left:0.0pt;">strength ratings, is available upon request by calling toll free (866) 464-3800.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Risks of the Policy – </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Investment Risk and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">the Northwestern </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Mutual section</span></div></div></td></tr> <tr style="height:87pt;"> <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:93.5pt;"> <div style="line-height:10.35pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;"> 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;padding-top:2.125pt;vertical-align:Top;width:336pt;"> <div style="line-height:11.12pt;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:Arial;font-size:9.20pt;margin-left:0.0pt;">Insufficient premium payments, poor investment results, withdrawals, unpaid </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">loans, or loan interest may cause your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> to lapse, meaning you will no </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">longer have any life insurance coverage and death benefits will not be paid. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">After lapse, you may reinstate the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> subject to certain conditions described </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">in the </span><a href="#bookmark_prospectus_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Prospectus</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">, including the payment of the minimum payment amount, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">required to keep the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> in force.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.12pt;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:93.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Risks of the Policy – </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy Lapse</span></div></div> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Information About </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">the Policy – </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Termination and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Reinstatement </span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">You can lose money by investing in the Policy, including loss of principal.</span> <span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">The Policy is not a short-term investment and is not appropriate for you if you </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">need ready access to cash. Surrender charges apply in the first 10 </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy Years </span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">and the value of your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> and life insurance benefit will be reduced if you </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">withdraw money. In addition, short-term investment in the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> may subject </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">you to income taxes and tax penalties.</span> <span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Investment in the Policy is subject to the risk of poor investment performance </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">and can vary depending on the performance of the investment options </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">(</span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">) available under the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">. Each </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> (and any fixed account </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">investment option) will have its own unique risks and you should review these </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">investment options before making an investment decision.</span> <span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Investment in the Policy is subject to the risks related to Northwestern Mutual, </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">and any obligations (including under any fixed account investment options), </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">guarantees, or benefits are subject to the claims-paying ability of </span><a href="#bookmark_northwesternmutual_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Northwestern </span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Mutual</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">. More information about </span><a href="#bookmark_northwesternmutual_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Northwestern Mutual</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">, including its financial </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">strength ratings, is available upon request by calling toll free (866) 464-3800.</span> <span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Insufficient premium payments, poor investment results, withdrawals, unpaid </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">loans, or loan interest may cause your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> to lapse, meaning you will no </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">longer have any life insurance coverage and death benefits will not be paid. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">After lapse, you may reinstate the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> subject to certain conditions described </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">in the </span><a href="#bookmark_prospectus_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Prospectus</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">, including the payment of the minimum payment amount, </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">required to keep the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> in force.</span> <span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Transfers or allocations to the Government Money Market Division and the </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy’s</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> fixed option, the </span><a href="#bookmark_nmstrengthandstabilityaccount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">NM Strength and Stability Account</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> (the “</span><a href="#bookmark_nmstrengthandstabilityaccount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">SAS </span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Account</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">”), are subject to certain restrictions. We do not permit transfers from </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">the </span><a href="#bookmark_nmstrengthandstabilityaccount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">SAS Account</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> to the </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Divisions</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Transfers from the </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Divisions</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> must be in amounts greater than or equal to 1% of </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">assets in the </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Divisions</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">, may be subject to charges, and are subject to the </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">’s short-term and excessive trading policies. These short-term and </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">excessive trading policies may trigger additional restrictions on your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Currently, there is no charge when you transfer </span><a href="#bookmark_contractfundvalue_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Contract Fund Value</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> among </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Divisions</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> and to the </span><a href="#bookmark_nmstrengthandstabilityaccount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">SAS Account</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">. However, we reserve the right to charge $25 </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">for each transfer. You may invest in up to 30 </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Divisions</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> at a time.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Under certain circumstances </span><a href="#bookmark_northwesternmutual_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Northwestern Mutual</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> reserves the right to </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">remove a </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> or substitute another </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> or mutual fund for such </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">.</span> <span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Optional benefits are subject to additional charges and payments made under </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">these benefits are generally subject to the same transaction fees as other </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">premium payments but may be treated differently for other purposes (e.g., </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">certain death benefit minimums). Optional benefits are not available for all </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">ages (or may terminate at certain ages) and underwriting classifications. We </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">may stop offering an optional benefit at any time. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Withdrawals under the Policy may cause the Death Benefit Guarantee to </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">terminate if the monthly Death Benefit Guarantee Test is not met and no </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">additional premium is paid during the following 61-day grace period.</span> <span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">You should consult with a tax professional to determine the tax implications of </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">an investment in, and payments received under, the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">. There is no </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">additional tax benefit if the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> is purchased through a tax-qualified plan.</span> <span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">The Policy is sold exclusively through financial representatives of Northwestern </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Mutual’s</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> affiliated broker-dealer, who are compensated with a commission </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">based on a percentage of premium, and </span><a href="#bookmark_northwesternmutual_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Northwestern Mutual</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> may share </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">revenue it earns on the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> with its affiliated broker-dealer. These financial </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">representatives may have a financial incentive to offer or recommend the </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> over other investments.</span> <span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Some financial representatives may have a financial incentive to offer this </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> in place of one you already own. You should only exchange an existing </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">policy if you determine, after comparing the features, fees and risks of both </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">policies, and any fees or penalties to terminate the existing policy, that it is </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">preferable to purchase this </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> rather than continue to own the existing </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">policy.</span> <span style="color:#000000;font-family:Arial;font-size:22.08pt;">Fee and Expense Tables</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">The following tables describe the fees and expenses that are payable when you buy, own, surrender or make withdrawals from the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">. Please refer to your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;"> specifications page for information about the specific fees you will pay each year based on the options you have elected.</span><span style="color:#000000;font-family:Arial;font-size:14.72pt;">Transaction Fees</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">The table below describes the fees and expenses that are payable at the time that you buy the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">, make premium payments, surrender the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">, make withdrawals, transfer among investment options, or make certain changes to the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.92pt;"> </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:523pt;table-layout:auto;"> <tr style="height:13.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:108pt;"> <div style="line-height:8.65pt;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:Arial;font-size:6.80pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:309.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:22pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:108pt;"> <div style="line-height:8.65pt;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:Arial;font-size:6.80pt;font-weight:bold;">Guaranteed Maximum </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:201.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current Charge</span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon each Premium </span><a href="#bookmark_premiumpayments_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_premiumpayments_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Payment</span></a></div></div></td> <td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">No</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> maximum</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> — Charges </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">may increase to reflect </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">actual costs</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% of </span><a href="#bookmark_premiumpayments_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium Payment</span></a></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Federal Deferred </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Acquisition Cost</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">1</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon each Premium </span><a href="#bookmark_premiumpayments_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_premiumpayments_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Payment</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.55</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% of </span><a href="#bookmark_premiumpayments_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium Payment</span></a></div></div></td></tr> <tr style="height:64pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Sales Load</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon each Premium </span><a href="#bookmark_premiumpayments_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_premiumpayments_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Payment</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.95</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% of premium up to </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.60% of premium in excess of </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-10; 3.95% of premium up to </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> and 5.60% of premium in excess of </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> in </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 11-20 and 0.00% beyond </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">year 20</span></div></div></td></tr> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Surrender Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">3</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon surrender or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">change to paid-up </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">insurance during the first </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">ten </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">4</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">50</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% in </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-5 of the </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">grading down monthly in </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 6-10 to 0%</span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Minimum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">13</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% in </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-5 of the </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">grading down monthly in </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 6-10 to 0%</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:523pt;table-layout:auto;"> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Issue </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Age 35</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">50% in </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-5 of the </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">grading down monthly in </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 6-10 to 0%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:14pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Withdrawal Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon withdrawal</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">25.00</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Currently waived</span></div></div></td></tr> <tr style="height:14pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Transfer Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon transfer</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">25.00</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Currently waived</span></div></div></td></tr> <tr style="height:21.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Change in Death</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Benefit </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Option Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon change in Death </span><a href="#bookmark_deathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_deathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Benefit</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> option</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">25.00</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Currently waived</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:523pt;"> <tr style="height:13.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:108pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:309.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:22pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:108pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Guaranteed Maximum </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:201.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current Charge</span></div></div></td></tr> <tr style="height:34pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Change in Specified </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Amount Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon change in Specified </span><a href="#bookmark_specifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_specifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Amount</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">25.00</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> per change after </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">first change in a </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Year</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Currently waived</span></div></div></td></tr> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Request for</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Additional </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Illustration Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6,7</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon request for more </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">than one illustration in a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Year</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">25.00</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> per illustration for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">each additional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">illustration in a </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Year</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Currently waived </span></div></div></td></tr> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Expedited Delivery </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6,8</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">When express mail </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">delivery is requested</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">50</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> per delivery (up to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$75 for next day, a.m. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">delivery) adjusted for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">inflation</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">9</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">15</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> per delivery (up to $45 for next day, a.m. </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">delivery)</span></div></div></td></tr> <tr style="height:41.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Wire Transfer Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6,8</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">When a wire transfer is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">requested</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">50</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> per transfer (up to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$100 for international </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">wires) adjusted for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">inflation</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">9</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">25</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> per transfer (up to $50 for international wires)</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">1</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">This charge was previously referred to as the “OBRA Expense Charge” or “Other Premium Expense Charge.” Due to a federal tax law change under the Omnibus Budget Reconciliation Act of 1990, as amended (“OBRA”), insurance companies are generally required to capitalize and amortize certain acquisition expenses rather than currently deduct such expenses. Due to this capitalization and amortization, the corporate income tax burden on insurance companies has been affected. This charge compensates us for the additional corporate income tax burden resulting from OBRA.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">2</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Target Premium is a hypothetical annual premium which is based on the Specified Amount, Death Benefit option, Death Benefit Guarantee Period, any </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">optional benefits, and characteristics of the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, such as factors including but not limited to </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, sex, and underwriting classification. Please see “</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Target Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">” in the Glossary of Terms.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">3</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The initial surrender charge percentage varies by Issue Age and remains level between Policy Years one through five, and declines monthly in Policy Years six </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">through ten to zero. The surrender charge shown in the table may not be representative of the charge a particular </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> would pay. For more information on the surrender charge, see “Charges and Deductions </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;margin-left:2pt;">–</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;line-height:9.5pt;margin-left:2pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Monthly Policy Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and Service Charges” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. Your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> schedule pages will indicate the maximum charge under your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">4</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The maximum Surrender Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristic: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Ages</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 0-54.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">5</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The minimum Surrender Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristic: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 75.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">6</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Fees and charges are deducted from </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Contract Fund Value</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> (see “Glossary of Terms”).</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">7</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">An illustration of the Policy’s future benefits and values is provided once a Policy Year at no charge upon request.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">8</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">This fee may increase over time to cover our administrative or other costs but will not exceed the maximum charge. We may discontinue this service at any time, with or without notice.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">9</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Guaranteed Maximum Charges are subject to a consumer price index adjustment in order to accommodate future increases in the costs associated with these requests. The maximum charge will equal the Guaranteed Maximum Charge shown above multiplied by the CPI for the fourth month prior to the time of the charge, divided by the CPI for April, 2018. “CPI” means the Consumer Price Index for All Urban Consumers, United States City Average, All Items, as published by the United States Bureau of Labor Statistics. If the method for determining the CPI is changed, or it is no longer published, it will be replaced by some other index found by </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Northwestern Mutual</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> to serve the same purpose.</span><span style="color:#000000;font-family:Arial;font-size:14.72pt;">Periodic Charges (Other than </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:14.72pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:14.72pt;"> Operating Expenses)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;position:relative;top:-4.75pt;">1</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">The table below describes the fees and expenses that you will pay periodically during the time that you own the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;"> other than the operating expenses for the </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">. Certain charges applicable to your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;"> depend on your </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy Year</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">. Please see </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">“Policy Year”</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;"> in the Glossary of Terms to help you understand how they will affect the charges applicable to your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.92pt;"> </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:523pt;table-layout:auto;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;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:Arial;font-size:7.36pt;"> </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:Bottom;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:7.36pt;"> </span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:309.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:22pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</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:Bottom;width:108pt;"> <div style="line-height:8.65pt;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:Arial;font-size:6.80pt;font-weight:bold;">When Charge is Deducted</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:Bottom;width:108pt;"> <div style="line-height:8.65pt;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:Arial;font-size:6.80pt;font-weight:bold;">Guaranteed Maximum </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:201.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current Charge</span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:14pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">3</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">83</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:34pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Minimum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">4</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.007 (monthly) per </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$1,000 of net amount at </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">risk</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.005</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per $1,000 net amount at risk</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:41.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured Age </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">35, Male, Premier</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tobacco</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">underwriting </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">classification</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.11 (monthly) per </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$1,000 of net amount at </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">risk in the first </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Year </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(varies by </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Year</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">)</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.01 (monthly) per $1,000 of net amount at risk in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">the first </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Year</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (varies by </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Year</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">)</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;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:Arial;font-size:7.36pt;"> </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:Bottom;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:7.36pt;"> </span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:309.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:22pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</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:Bottom;width:108pt;"> <div style="line-height:8.65pt;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:Arial;font-size:6.80pt;font-weight:bold;">When Charge is Deducted</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:Bottom;width:108pt;"> <div style="line-height:8.65pt;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:Arial;font-size:6.80pt;font-weight:bold;">Guaranteed Maximum </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:201.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current Charge</span></div></div></td></tr> <tr style="height:50pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Percent of Contract</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Value Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">All </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">: 0.60% </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">annually (</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.05</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% 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:Arial;font-size:8.28pt;margin-left:0.0pt;">rate) of </span><a href="#bookmark_contractfundvalue_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Contract Fund </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_contractfundvalue_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Value</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">All amounts in the </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Divisions</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">: 0.00% annually (</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.00% </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">monthly rate) of </span><a href="#bookmark_contractfundvalue_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Contract Fund Value </span></a></div></div> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_nmstrengthandstabilityaccount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">SAS Account</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">: 0.23% annually (0.019% monthly rate) </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">of </span><a href="#bookmark_contractfundvalue_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Contract Fund Value</span></a></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Administrative</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:14pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">7</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$33 </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(monthly)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$16</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Minimum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">8</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$16 (monthly)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$7</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly)</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:523pt;table-layout:auto;"> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured Age </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">35, Male, Premier</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tobacco</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">underwriting </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">classification</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$19 (monthly)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$9 (monthly)</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:523pt;table-layout:auto;"> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">during the first ten </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">9</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.375</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% (monthly) of </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> during </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-10</span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Minimum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.021</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% (monthly) of </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> during </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-10</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:523pt;table-layout:auto;"> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured Age </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">35, Male, Premier</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tobacco</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">underwriting </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">classification</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.25% (monthly) of </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> during </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-10</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:523pt;table-layout:auto;"> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Guarantee </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">when the </span><a href="#bookmark_deathbenefitguarantee_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_deathbenefitguarantee_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Guarantee</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> is in force</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.02</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_guaranteedminimumdeathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Guaranteed Minimum </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_guaranteedminimumdeathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.01</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> per $1,000 of </span><a href="#bookmark_guaranteedminimumdeathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Guaranteed Minimum Death </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_guaranteedminimumdeathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Benefit</span></a></div></div></td></tr> <tr style="height:54pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Policy Debt Expense </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">11</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">when there is </span><a href="#bookmark_policydebt_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Debt</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">All </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 2.00% </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">annually (</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.17</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% 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:Arial;font-size:8.28pt;margin-left:0.0pt;">rate) of </span><a href="#bookmark_policydebt_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Debt</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.71% annually (</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.0592% </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">monthly rate) of </span><a href="#bookmark_policydebt_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_policydebt_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Debt</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> for </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-20</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;line-height:9.20pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.21% annually (</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.0175% </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">monthly rate) of </span><a href="#bookmark_policydebt_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_policydebt_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Debt</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> for </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 21 and above</span></div></div></td></tr> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Underwriting and</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Issue </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">12</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">during the first ten </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">13</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.026</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per $1,000 of </span><a href="#bookmark_initialspecifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Initial Specified </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_initialspecifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Amount</span></a></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Minimum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.005</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per $1,000 of </span><a href="#bookmark_initialspecifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Initial Specified </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_initialspecifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Amount</span></a></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:523pt;table-layout:auto;"> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured Age </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">35, Male, Premier</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tobacco</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">underwriting </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">classification</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.007 (monthly) per $1,000 of </span><a href="#bookmark_initialspecifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Initial Specified </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_initialspecifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Amount</span></a></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:34pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Selected</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Monthly </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Premium</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Benefit </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">15</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:74pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">16</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">The greater of $</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.09</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">(monthly) per $1.00 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Selected Monthly </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, or $</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.14</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">(monthly) per $1.00 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_specifiedmonthlycharges_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Specified Monthly </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_specifiedmonthlycharges_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Charges</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">The greater of $0.02 (monthly) per $</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.00</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> of </span><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Selected </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, or $</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.03</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per $1.00 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_specifiedmonthlycharges_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Specified Monthly Charges</span></a></div></div></td></tr> <tr style="height:31.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Minimum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">17</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.003</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$1.00 of </span><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Selected </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Premium</span></a></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.001 (monthly) per $1.00 of </span><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Selected Monthly </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;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:Arial;font-size:7.36pt;"> </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:Bottom;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:7.36pt;"> </span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:309.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:22pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</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:Bottom;width:108pt;"> <div style="line-height:8.65pt;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:Arial;font-size:6.80pt;font-weight:bold;">When Charge is Deducted</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:Bottom;width:108pt;"> <div style="line-height:8.65pt;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:Arial;font-size:6.80pt;font-weight:bold;">Guaranteed Maximum </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:201.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current Charge</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:523pt;table-layout:auto;"> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured Age 0, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Male, Premier</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tobacco</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">underwriting </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">classification</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.003 per $1.00 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Selected Monthly </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.0009 (monthly) per $1.00 of </span><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Selected Monthly </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a></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:523pt;table-layout:auto;"> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Additional Purchase </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Benefit Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">18</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:34pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">19</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.14</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$1,000 of additional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">purchase benefit amount</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.03</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per $1,000 of additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">benefit amount</span></div></div></td></tr> <tr style="height:34pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Minimum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">20</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.04 (monthly) per </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$1,000 of additional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">purchase benefit amount</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per $1,000 of additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">benefit amount</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:523pt;table-layout:auto;"> <tr style="height:34pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured, Issue </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Age 0, Male</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.04 (monthly) per </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$1,000 of additional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">purchase benefit amount</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.01 (monthly) per $1,000 of additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">benefit</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:31.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Terminal Illness Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">When you request 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:Arial;font-size:8.28pt;margin-left:0.0pt;">accelerated death benefit </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">payment</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">250</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">1</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The charges described in this table may vary based upon one or more characteristics of the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, such as factors including but not limited to: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">underwriting classification, </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, sex, underwriting amount, </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Target Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Debt</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, and </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> (see “Charges and Deductions</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;margin-left:2pt;">—</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;margin-left:2pt;">Monthly Policy Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and Service Charges” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> for more details regarding each charge). Charges may be different if your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">is </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">“Paid-up”</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> (see “Other Benefits Available Under the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;margin-left:2pt;">— Paid Up Insurance” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">). Therefore, the charges shown in the table may not be representative of the charges a particular </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> may pay. Your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> schedule pages will indicate the Guaranteed Maximum Charge for each periodic charge under your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. In addition, where appropriate, all charges in the table expressed in dollars have been rounded to the nearest dollar, and all amounts that would round to zero have been rounded to the nearest penny or less, as necessary. Please request an illustration from your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Financial Representative</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> for personalized information, including the particular charges applicable to your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. (See “Illustrations” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">). Unless otherwise noted, the charges in the table represent the monthly rate. Please see </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">“Policy Anniversary”</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">“Policy Date”</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> in the Glossary of Terms to help you understand how they will affect the charges applicable to your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">2</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Cost of Insurance Charge will vary based on factors including but not limited to the Insured’s Attained Age, sex, underwriting classification, underwriting </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">amount, and </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. The Cost of Insurance Charges shown in the table may not be representative of the charges a particular </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> may pay. The net amount at risk is the difference between the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Value</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">3</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Maximum Charge for the Cost of Insurance Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristic: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 120. Charges applicable to other combinations of </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> characteristics may be the same as the charge shown for the Maximum Charge for the Cost of Insurance Charge.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">4</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">For the Minimum Charge for the Cost of Insurance Charge, the Current Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> is in the first </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, and that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: Female, </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Ages</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 1-10, Premier Non-Tobacco underwriting classification. For the Minimum Charge for the Cost of Insurance Charge, the Guaranteed Maximum Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristic: Female, </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Ages</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 1-13, Premier Non-Tobacco underwriting classification. Charges applicable to other combinations of </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> characteristics may be the same as the charge shown for the Minimum Charge for the Cost of Insurance Charge.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">5</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The amount of the Cost of Insurance Charge is determined by multiplying the net amount at risk by the cost of insurance rate (see “Charges and Deductions” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">). The net amount at risk is the difference between the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> (or the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Guaranteed Minimum Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> if the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> is in force under the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Death Benefit Guarantee</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">) and the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Value</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. Generally, the cost of insurance rate will increase each </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">6</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">For purposes of this charge, the Contract Fund Value is as of the day previous to a Monthly Processing Date plus investment results and interest credited </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">applicable for that </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Monthly Processing Date</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. This charge may vary based on the proportionate amount of </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Contract Fund Value</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">NM Strength and </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Stability Account (see “The Fixed Option” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">) and/or different rates may apply to amounts in the Divisions versus amounts in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">NM Strength </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">and Stability Account.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">7</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Maximum Charge for the Administrative Charge assumes that the Insured has the following characteristics: Issue Age 75, Class 1 to 9 Non-Tobacco/ </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Occasional Tobacco, Standard Plus Tobacco, and Class 1 to 7 Tobacco underwriting classification.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">8</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Minimum Charge for the Administrative Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Ages</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 0-15, Premier, Preferred, and Standard Plus Non-Tobacco and Premier and Preferred Tobacco underwriting classification.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">9</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">For the Maximum Charge for the Specified Amount Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the Insured has the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 65, Class Preferred, Standard Plus and Class 1 to 7 Tobacco underwriting classification.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">10</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Minimum Charge for the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 15, Class Premier, Preferred Non-Tobacco/Occasional Tobacco underwriting.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">11</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">This charge is deducted from Contract Fund Value when there is Policy Debt and is intended to cover the costs associated with loans. This charge, that has a </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">guaranteed maximum rate of 2%, encompasses any loan interest spread, which is the difference between the interest rate charged on policy loan amounts and the interest rate credited on amounts designated as collateral for the loan. The interest rates charged to loan amounts and credited to collateral are adjustable but are subject to a guaranteed maximum difference of 2%. When the insured is at or above Attained Age 100, the current Policy Debt Expense Charge is 0.00%. Please see “</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> Loans” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> for more information regarding how the loan interest rate is calculated.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">12</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The current minimum Specified Amount is $100,000 for Issue Ages 18-75 and $50,000 for Issue Ages 0-17.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">13</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Maximum Charge for the Underwriting and Issue Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 25, Class 1 to 9 Non- Tobacco/Occasional Tobacco, Standard Plus Tobacco, and Class 1 to 7 Tobacco underwriting classification.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">14</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Minimum Charge for the Underwriting and Issue Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 55, Premier, Preferred; and Standard Plus Non-Tobacco/Occasional Tobacco; Premier and Preferred Tobacco underwriting classification.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">15</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The charges for the Selected Monthly Premium Benefit vary based on the Insured’s Attained Age, underwriting classification, and “Selected Monthly </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Premium,” and may increase from year to year. </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Selected Monthly Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> is an amount the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> selects subject to a maximum permitted amount. The charges shown in the table may not be representative of the charges a particular </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> may pay. If selected, the Selected Monthly Premium Benefit provides, during the total disability of the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, for the credit of the greater of (1) the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Selected Monthly Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> or (2) the amount needed to provide for the credit of the “</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Monthly Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">” (current </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Monthly Policy Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> excluding the Monthly </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Debt</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> Expense Charge and the charge for this benefit). (See “Other Benefits Available Under the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;margin-left:2pt;">—Optional Benefits Available for a Charge” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> for more information about this benefit.) The monthly charge for this benefit is the greater of the selected monthly premium rate times the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Selected Monthly Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> or the specified monthly charges rate times the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Monthly Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. If this optional benefit is selected, the maximum rates are shown in your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">16</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Maximum Charge for the Selected Monthly Premium Benefit assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 57, standard underwriting classification for Selected Monthly Premium and attained Age 59, standard underwriting classification for Specified Monthly Charges.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">17</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Minimum Charge for the Selected Monthly Premium Benefit assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Ages</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 0-17, standard underwriting classification. This assumes the amount of the charge determined by the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Selected Monthly Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> is greater than the amount of the charge determined by the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Monthly Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">18</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The charges for the Additional Purchase Benefit vary based on the Insured’s gender and Attained Age at the time the benefit is added to the Policy. The </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">charges shown in the table may not be representative of the charges a particular </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> may pay. The maximum Additional Purchase Benefit amount is the lesser of two times the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and $200,000.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">19</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Current Charge for the Maximum Charge for the Additional Purchase Benefit Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: Male, Benefit added at </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 13-14. The Guaranteed Maximum Charge for the Additional Purchase Benefit Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: Benefit added at </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 38 for Male or Female.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">20</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Current Charge for the Minimum Charge for the Additional Purchase Benefit Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: Female, Benefit added at </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 30, 33, 36, and 38. The Guaranteed Maximum Charge for the Minimum Charge of the Additional Purchase Benefit Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristic: Male or Female, Benefit added at </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 0.</span><span style="color:#000000;font-family:Arial;font-size:14.72pt;">Annual </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:14.72pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:14.72pt;"> Operating Expenses</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">The table below shows the range (minimum and maximum) of total operating expenses charged by the </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;"> that you may pay periodically during the time you own your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">. The table below is based on information as of December 31, 2025 and may change from year to year. A complete list of the </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;"> available under your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">, including their annual expenses, may be found at the back of this document.</span> <br/> <br/><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span> <br/><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.92pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523pt;"> <tr style="height:12.75pt;"> <td style="vertical-align:Bottom;width:427.66pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:48.2pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12.45%;margin-right:12.45%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Minimum</span></div></div></div></td> <td style="vertical-align:Bottom;width:47.13pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12.73%;margin-right:3.18%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum</span></div></div></div></td></tr> <tr style="height:22.25pt;"> <td style="background-color:azure;vertical-align:Bottom;width:427.66pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Annual </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> Operating Expenses (expenses deducted from </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> assets, including management fees, </span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:9pt;">distribution (12b-1) fees, and other expenses as a percentage of average </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> assets)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:48.2pt;"> <div style="line-height:9.20pt;margin-left:6pt;margin-right:6pt;text-align:right;width:36.2pt;"> <div style="display:flex;margin:auto;width:24.36pt;"> <div style="display:flex;white-space:nowrap;width:24.36pt;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">0.14%</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:47.13pt;"> <div style="line-height:9.20pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:38.13pt;"> <div style="display:flex;margin:auto;width:24.36pt;"> <div style="display:flex;white-space:nowrap;width:24.36pt;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">2.50%</span></div></div></div></td></tr> <tr style="height:9.5pt;"> <td style="vertical-align:Bottom;width:427.66pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Annual </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> Operating Expenses After Contractual Fee Waiver or Reimbursement*</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:48.2pt;"> <div style="line-height:9.20pt;margin-left:6pt;margin-right:6pt;text-align:right;width:36.2pt;"> <div style="display:flex;margin:auto;width:24.36pt;"> <div style="display:flex;white-space:nowrap;width:24.36pt;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">0.14%</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:47.13pt;"> <div style="line-height:9.20pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:38.13pt;"> <div style="display:flex;margin:auto;width:24.36pt;"> <div style="display:flex;white-space:nowrap;width:24.36pt;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">2.45%</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:7.36pt;">*</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The “Annual </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> Operating Expenses After Contractual Fee Waiver or Reimbursement” line in the above table shows the minimum and maximum fees and expenses charged by all of the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Portfolios</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> after taking into account contractual fee waiver or reimbursement arrangements in place. Those contractual arrangements are designed to reduce </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> Operating Expenses and will continue until at least April 30, 2027.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">For more information about voluntary fee waivers that may be in place, see the “Charges and Deductions” section.</span> <span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">The following tables describe the fees and expenses that are payable when you buy, own, surrender or make withdrawals from the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">. Please refer to your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;"> specifications page for information about the specific fees you will pay each year based on the options you have elected.</span><span style="color:#000000;font-family:Arial;font-size:14.72pt;">Transaction Fees</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">The table below describes the fees and expenses that are payable at the time that you buy the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">, make premium payments, surrender the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">, make withdrawals, transfer among investment options, or make certain changes to the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.92pt;"> </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:523pt;table-layout:auto;"> <tr style="height:13.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:108pt;"> <div style="line-height:8.65pt;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:Arial;font-size:6.80pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:309.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:22pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:108pt;"> <div style="line-height:8.65pt;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:Arial;font-size:6.80pt;font-weight:bold;">Guaranteed Maximum </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:201.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current Charge</span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon each Premium </span><a href="#bookmark_premiumpayments_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_premiumpayments_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Payment</span></a></div></div></td> <td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">No</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> maximum</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> — Charges </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">may increase to reflect </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">actual costs</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.00</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% of </span><a href="#bookmark_premiumpayments_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium Payment</span></a></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Federal Deferred </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Acquisition Cost</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">1</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon each Premium </span><a href="#bookmark_premiumpayments_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_premiumpayments_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Payment</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.55</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% of </span><a href="#bookmark_premiumpayments_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium Payment</span></a></div></div></td></tr> <tr style="height:64pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Sales Load</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon each Premium </span><a href="#bookmark_premiumpayments_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_premiumpayments_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Payment</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.95</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% of premium up to </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.60% of premium in excess of </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-10; 3.95% of premium up to </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> and 5.60% of premium in excess of </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> in </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 11-20 and 0.00% beyond </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">year 20</span></div></div></td></tr> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Surrender Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">3</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon surrender or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">change to paid-up </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">insurance during the first </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">ten </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">4</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">50</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% in </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-5 of the </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">grading down monthly in </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 6-10 to 0%</span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Minimum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">13</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% in </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-5 of the </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">grading down monthly in </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 6-10 to 0%</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:523pt;table-layout:auto;"> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Issue </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Age 35</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">50% in </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-5 of the </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">grading down monthly in </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 6-10 to 0%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:14pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Withdrawal Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon withdrawal</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">25.00</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Currently waived</span></div></div></td></tr> <tr style="height:14pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Transfer Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon transfer</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">25.00</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Currently waived</span></div></div></td></tr> <tr style="height:21.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Change in Death</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Benefit </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Option Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon change in Death </span><a href="#bookmark_deathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_deathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Benefit</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> option</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">25.00</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Currently waived</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:523pt;"> <tr style="height:13.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:108pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:309.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:22pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:108pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Guaranteed Maximum </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:201.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current Charge</span></div></div></td></tr> <tr style="height:34pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Change in Specified </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Amount Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon change in Specified </span><a href="#bookmark_specifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_specifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Amount</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">25.00</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> per change after </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">first change in a </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Year</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Currently waived</span></div></div></td></tr> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Request for</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Additional </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Illustration Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6,7</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon request for more </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">than one illustration in a </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Year</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">25.00</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> per illustration for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">each additional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">illustration in a </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Year</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Currently waived </span></div></div></td></tr> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Expedited Delivery </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6,8</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">When express mail </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">delivery is requested</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">50</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> per delivery (up to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$75 for next day, a.m. </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">delivery) adjusted for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">inflation</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">9</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">15</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> per delivery (up to $45 for next day, a.m. </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">delivery)</span></div></div></td></tr> <tr style="height:41.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Wire Transfer Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6,8</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">When a wire transfer is </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">requested</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">50</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> per transfer (up to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$100 for international </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">wires) adjusted for </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">inflation</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">9</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">25</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> per transfer (up to $50 for international wires)</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">1</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">This charge was previously referred to as the “OBRA Expense Charge” or “Other Premium Expense Charge.” Due to a federal tax law change under the Omnibus Budget Reconciliation Act of 1990, as amended (“OBRA”), insurance companies are generally required to capitalize and amortize certain acquisition expenses rather than currently deduct such expenses. Due to this capitalization and amortization, the corporate income tax burden on insurance companies has been affected. This charge compensates us for the additional corporate income tax burden resulting from OBRA.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">2</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Target Premium is a hypothetical annual premium which is based on the Specified Amount, Death Benefit option, Death Benefit Guarantee Period, any </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">optional benefits, and characteristics of the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, such as factors including but not limited to </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, sex, and underwriting classification. Please see “</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Target Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">” in the Glossary of Terms.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">3</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The initial surrender charge percentage varies by Issue Age and remains level between Policy Years one through five, and declines monthly in Policy Years six </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">through ten to zero. The surrender charge shown in the table may not be representative of the charge a particular </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> would pay. For more information on the surrender charge, see “Charges and Deductions </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;margin-left:2pt;">–</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;line-height:9.5pt;margin-left:2pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Monthly Policy Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and Service Charges” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. Your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> schedule pages will indicate the maximum charge under your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">4</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The maximum Surrender Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristic: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Ages</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 0-54.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">5</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The minimum Surrender Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristic: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 75.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">6</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Fees and charges are deducted from </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Contract Fund Value</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> (see “Glossary of Terms”).</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">7</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">An illustration of the Policy’s future benefits and values is provided once a Policy Year at no charge upon request.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">8</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">This fee may increase over time to cover our administrative or other costs but will not exceed the maximum charge. We may discontinue this service at any time, with or without notice.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">9</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Guaranteed Maximum Charges are subject to a consumer price index adjustment in order to accommodate future increases in the costs associated with these requests. The maximum charge will equal the Guaranteed Maximum Charge shown above multiplied by the CPI for the fourth month prior to the time of the charge, divided by the CPI for April, 2018. “CPI” means the Consumer Price Index for All Urban Consumers, United States City Average, All Items, as published by the United States Bureau of Labor Statistics. If the method for determining the CPI is changed, or it is no longer published, it will be replaced by some other index found by </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Northwestern Mutual</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> to serve the same purpose.</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon each Premium </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Payment</span> 0 0.0200 <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Federal Deferred </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Acquisition Cost</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">1</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon each Premium </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Payment</span> 0.0055 <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Sales Load</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon each Premium </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Payment</span> 0.0695 <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Surrender Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">3</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon surrender or </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">change to paid-up </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">insurance during the first </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">ten </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a> 0.50 0.13 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Issue </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Age 35</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">50% in </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-5 of the </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">grading down monthly in </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 6-10 to 0%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The initial surrender charge percentage varies by Issue Age and remains level between Policy Years one through five, and declines monthly in Policy Years six </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">through ten to zero. The surrender charge shown in the table may not be representative of the charge a particular </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> would pay. For more information on the surrender charge, see “Charges and Deductions </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;margin-left:2pt;">–</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;line-height:9.5pt;margin-left:2pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Monthly Policy Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and Service Charges” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. Your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> schedule pages will indicate the maximum charge under your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">4</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The maximum Surrender Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristic: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Ages</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 0-54.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">5</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The minimum Surrender Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristic: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 75.</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Withdrawal Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon withdrawal</span> 25.00 <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Transfer Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon transfer</span> 25.00 <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Change in Death</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Benefit </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Option Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon change in Death </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Benefit</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> option</span> 25.00 <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Change in Specified </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Amount Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon change in Specified </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Amount</span> 25.00 <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Request for</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Additional </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Illustration Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6,7</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon request for more </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">than one illustration in a </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Year</span> 25.00 <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Expedited Delivery </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6,8</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">When express mail </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">delivery is requested</span> 50 15 <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Wire Transfer Fee</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6,8</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">When a wire transfer is </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">requested</span> 50 25 <span style="color:#000000;font-family:Arial;font-size:7.36pt;">This charge was previously referred to as the “OBRA Expense Charge” or “Other Premium Expense Charge.” Due to a federal tax law change under the Omnibus Budget Reconciliation Act of 1990, as amended (“OBRA”), insurance companies are generally required to capitalize and amortize certain acquisition expenses rather than currently deduct such expenses. Due to this capitalization and amortization, the corporate income tax burden on insurance companies has been affected. This charge compensates us for the additional corporate income tax burden resulting from OBRA.</span> <span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Target Premium is a hypothetical annual premium which is based on the Specified Amount, Death Benefit option, Death Benefit Guarantee Period, any </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">optional benefits, and characteristics of the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, such as factors including but not limited to </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, sex, and underwriting classification. Please see “</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Target Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">” in the Glossary of Terms.</span> <span style="color:#000000;font-family:Arial;font-size:7.36pt;">An illustration of the Policy’s future benefits and values is provided once a Policy Year at no charge upon request.</span> <span style="color:#000000;font-family:Arial;font-size:7.36pt;">This fee may increase over time to cover our administrative or other costs but will not exceed the maximum charge. We may discontinue this service at any time, with or without notice.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">9</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Guaranteed Maximum Charges are subject to a consumer price index adjustment in order to accommodate future increases in the costs associated with these requests. The maximum charge will equal the Guaranteed Maximum Charge shown above multiplied by the CPI for the fourth month prior to the time of the charge, divided by the CPI for April, 2018. “CPI” means the Consumer Price Index for All Urban Consumers, United States City Average, All Items, as published by the United States Bureau of Labor Statistics. If the method for determining the CPI is changed, or it is no longer published, it will be replaced by some other index found by </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Northwestern Mutual</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> to serve the same purpose.</span> <span style="color:#000000;font-family:Arial;font-size:7.36pt;">This fee may increase over time to cover our administrative or other costs but will not exceed the maximum charge. We may discontinue this service at any time, with or without notice.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">9</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Guaranteed Maximum Charges are subject to a consumer price index adjustment in order to accommodate future increases in the costs associated with these requests. The maximum charge will equal the Guaranteed Maximum Charge shown above multiplied by the CPI for the fourth month prior to the time of the charge, divided by the CPI for April, 2018. “CPI” means the Consumer Price Index for All Urban Consumers, United States City Average, All Items, as published by the United States Bureau of Labor Statistics. If the method for determining the CPI is changed, or it is no longer published, it will be replaced by some other index found by </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Northwestern Mutual</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> to serve the same purpose.</span> <span style="color:#000000;font-family:Arial;font-size:14.72pt;">Periodic Charges (Other than </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:14.72pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:14.72pt;"> Operating Expenses)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;position:relative;top:-4.75pt;">1</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">The table below describes the fees and expenses that you will pay periodically during the time that you own the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;"> other than the operating expenses for the </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">. Certain charges applicable to your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;"> depend on your </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy Year</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">. Please see </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">“Policy Year”</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;"> in the Glossary of Terms to help you understand how they will affect the charges applicable to your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.92pt;"> </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:523pt;table-layout:auto;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;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:Arial;font-size:7.36pt;"> </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:Bottom;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:7.36pt;"> </span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:309.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:22pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</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:Bottom;width:108pt;"> <div style="line-height:8.65pt;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:Arial;font-size:6.80pt;font-weight:bold;">When Charge is Deducted</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:Bottom;width:108pt;"> <div style="line-height:8.65pt;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:Arial;font-size:6.80pt;font-weight:bold;">Guaranteed Maximum </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:201.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current Charge</span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:14pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">3</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">83</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per $1,000 of net amount at risk</span></div></div></td></tr> <tr style="height:34pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Minimum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">4</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.007 (monthly) per </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$1,000 of net amount at </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">risk</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.005</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per $1,000 net amount at risk</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:41.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured Age </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">35, Male, Premier</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tobacco</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">underwriting </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">classification</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.11 (monthly) per </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$1,000 of net amount at </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">risk in the first </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Year </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(varies by </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Year</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">)</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.01 (monthly) per $1,000 of net amount at risk in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">the first </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Year</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (varies by </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Year</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">)</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;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:Arial;font-size:7.36pt;"> </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:Bottom;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:7.36pt;"> </span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:309.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:22pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</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:Bottom;width:108pt;"> <div style="line-height:8.65pt;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:Arial;font-size:6.80pt;font-weight:bold;">When Charge is Deducted</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:Bottom;width:108pt;"> <div style="line-height:8.65pt;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:Arial;font-size:6.80pt;font-weight:bold;">Guaranteed Maximum </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:201.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current Charge</span></div></div></td></tr> <tr style="height:50pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Percent of Contract</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Value Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">All </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">: 0.60% </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">annually (</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.05</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% 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:Arial;font-size:8.28pt;margin-left:0.0pt;">rate) of </span><a href="#bookmark_contractfundvalue_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Contract Fund </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_contractfundvalue_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Value</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">All amounts in the </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Divisions</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">: 0.00% annually (</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.00% </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">monthly rate) of </span><a href="#bookmark_contractfundvalue_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Contract Fund Value </span></a></div></div> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_nmstrengthandstabilityaccount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">SAS Account</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">: 0.23% annually (0.019% monthly rate) </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">of </span><a href="#bookmark_contractfundvalue_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Contract Fund Value</span></a></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Administrative</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:14pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">7</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$33 </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(monthly)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$16</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Minimum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">8</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$16 (monthly)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$7</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly)</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:523pt;table-layout:auto;"> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured Age </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">35, Male, Premier</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tobacco</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">underwriting </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">classification</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$19 (monthly)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$9 (monthly)</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:523pt;table-layout:auto;"> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">during the first ten </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">9</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.375</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% (monthly) of </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> during </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-10</span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Minimum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.021</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% (monthly) of </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> during </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-10</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:523pt;table-layout:auto;"> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured Age </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">35, Male, Premier</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tobacco</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">underwriting </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">classification</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.25% (monthly) of </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> during </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-10</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:523pt;table-layout:auto;"> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Guarantee </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">when the </span><a href="#bookmark_deathbenefitguarantee_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_deathbenefitguarantee_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Guarantee</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> is in force</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.02</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> per $1,000 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_guaranteedminimumdeathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Guaranteed Minimum </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_guaranteedminimumdeathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.01</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> per $1,000 of </span><a href="#bookmark_guaranteedminimumdeathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Guaranteed Minimum Death </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_guaranteedminimumdeathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Benefit</span></a></div></div></td></tr> <tr style="height:54pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Policy Debt Expense </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">11</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">when there is </span><a href="#bookmark_policydebt_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Debt</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">All </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 2.00% </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">annually (</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.17</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% 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:Arial;font-size:8.28pt;margin-left:0.0pt;">rate) of </span><a href="#bookmark_policydebt_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Debt</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.71% annually (</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.0592% </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">monthly rate) of </span><a href="#bookmark_policydebt_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_policydebt_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Debt</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> for </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-20</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;line-height:9.20pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.21% annually (</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.0175% </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">monthly rate) of </span><a href="#bookmark_policydebt_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_policydebt_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Debt</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> for </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 21 and above</span></div></div></td></tr> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Underwriting and</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Issue </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">12</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">during the first ten </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">13</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.026</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per $1,000 of </span><a href="#bookmark_initialspecifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Initial Specified </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_initialspecifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Amount</span></a></div></div></td></tr> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Minimum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.005</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per $1,000 of </span><a href="#bookmark_initialspecifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Initial Specified </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_initialspecifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Amount</span></a></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:523pt;table-layout:auto;"> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured Age </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">35, Male, Premier</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tobacco</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">underwriting </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">classification</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.007 (monthly) per $1,000 of </span><a href="#bookmark_initialspecifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Initial Specified </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_initialspecifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Amount</span></a></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:34pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Selected</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Monthly </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Premium</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Benefit </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">15</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:74pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">16</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">The greater of $</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.09</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">(monthly) per $1.00 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Selected Monthly </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, or $</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.14</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">(monthly) per $1.00 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_specifiedmonthlycharges_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Specified Monthly </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_specifiedmonthlycharges_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Charges</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">The greater of $0.02 (monthly) per $</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.00</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> of </span><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Selected </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, or $</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.03</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per $1.00 of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_specifiedmonthlycharges_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Specified Monthly Charges</span></a></div></div></td></tr> <tr style="height:31.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Minimum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">17</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.003</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$1.00 of </span><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Selected </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Premium</span></a></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.001 (monthly) per $1.00 of </span><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Selected Monthly </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:13.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;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:Arial;font-size:7.36pt;"> </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:Bottom;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:7.36pt;"> </span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:309.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:22pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:105.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</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:Bottom;width:108pt;"> <div style="line-height:8.65pt;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:Arial;font-size:6.80pt;font-weight:bold;">When Charge is Deducted</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:Bottom;width:108pt;"> <div style="line-height:8.65pt;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:Arial;font-size:6.80pt;font-weight:bold;">Guaranteed Maximum </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:201.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current Charge</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:523pt;table-layout:auto;"> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured Age 0, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Male, Premier</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tobacco</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">underwriting </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">classification</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.003 per $1.00 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Selected Monthly </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.0009 (monthly) per $1.00 of </span><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Selected Monthly </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a></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:523pt;table-layout:auto;"> <tr style="height:24pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Additional Purchase </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Benefit Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">18</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_monthlyprocessingdate_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:34pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">19</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.14</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$1,000 of additional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">purchase benefit amount</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.03</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per $1,000 of additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">benefit amount</span></div></div></td></tr> <tr style="height:34pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Minimum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">20</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.04 (monthly) per </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$1,000 of additional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">purchase benefit amount</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (monthly) per $1,000 of additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">benefit amount</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:523pt;table-layout:auto;"> <tr style="height:34pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured, Issue </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Age 0, Male</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.04 (monthly) per </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$1,000 of additional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">purchase benefit amount</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.01 (monthly) per $1,000 of additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">benefit</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:31.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Terminal Illness Benefit</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">When you request 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:Arial;font-size:8.28pt;margin-left:0.0pt;">accelerated death benefit </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">payment</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">250</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">1</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The charges described in this table may vary based upon one or more characteristics of the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, such as factors including but not limited to: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">underwriting classification, </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, sex, underwriting amount, </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Target Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Debt</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, and </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> (see “Charges and Deductions</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;margin-left:2pt;">—</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;margin-left:2pt;">Monthly Policy Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and Service Charges” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> for more details regarding each charge). Charges may be different if your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">is </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">“Paid-up”</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> (see “Other Benefits Available Under the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;margin-left:2pt;">— Paid Up Insurance” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">). Therefore, the charges shown in the table may not be representative of the charges a particular </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> may pay. Your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> schedule pages will indicate the Guaranteed Maximum Charge for each periodic charge under your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. In addition, where appropriate, all charges in the table expressed in dollars have been rounded to the nearest dollar, and all amounts that would round to zero have been rounded to the nearest penny or less, as necessary. Please request an illustration from your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Financial Representative</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> for personalized information, including the particular charges applicable to your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. (See “Illustrations” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">). Unless otherwise noted, the charges in the table represent the monthly rate. Please see </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">“Policy Anniversary”</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">“Policy Date”</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> in the Glossary of Terms to help you understand how they will affect the charges applicable to your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">2</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Cost of Insurance Charge will vary based on factors including but not limited to the Insured’s Attained Age, sex, underwriting classification, underwriting </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">amount, and </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. The Cost of Insurance Charges shown in the table may not be representative of the charges a particular </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> may pay. The net amount at risk is the difference between the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Value</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">3</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Maximum Charge for the Cost of Insurance Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristic: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 120. Charges applicable to other combinations of </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> characteristics may be the same as the charge shown for the Maximum Charge for the Cost of Insurance Charge.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">4</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">For the Minimum Charge for the Cost of Insurance Charge, the Current Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> is in the first </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, and that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: Female, </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Ages</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 1-10, Premier Non-Tobacco underwriting classification. For the Minimum Charge for the Cost of Insurance Charge, the Guaranteed Maximum Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristic: Female, </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Ages</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 1-13, Premier Non-Tobacco underwriting classification. Charges applicable to other combinations of </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> characteristics may be the same as the charge shown for the Minimum Charge for the Cost of Insurance Charge.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">5</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The amount of the Cost of Insurance Charge is determined by multiplying the net amount at risk by the cost of insurance rate (see “Charges and Deductions” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">). The net amount at risk is the difference between the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> (or the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Guaranteed Minimum Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> if the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> is in force under the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Death Benefit Guarantee</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">) and the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Value</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. Generally, the cost of insurance rate will increase each </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">6</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">For purposes of this charge, the Contract Fund Value is as of the day previous to a Monthly Processing Date plus investment results and interest credited </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">applicable for that </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Monthly Processing Date</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. This charge may vary based on the proportionate amount of </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Contract Fund Value</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">NM Strength and </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Stability Account (see “The Fixed Option” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">) and/or different rates may apply to amounts in the Divisions versus amounts in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">NM Strength </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">and Stability Account.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">7</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Maximum Charge for the Administrative Charge assumes that the Insured has the following characteristics: Issue Age 75, Class 1 to 9 Non-Tobacco/ </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Occasional Tobacco, Standard Plus Tobacco, and Class 1 to 7 Tobacco underwriting classification.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">8</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Minimum Charge for the Administrative Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Ages</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 0-15, Premier, Preferred, and Standard Plus Non-Tobacco and Premier and Preferred Tobacco underwriting classification.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">9</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">For the Maximum Charge for the Specified Amount Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the Insured has the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 65, Class Preferred, Standard Plus and Class 1 to 7 Tobacco underwriting classification.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">10</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Minimum Charge for the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 15, Class Premier, Preferred Non-Tobacco/Occasional Tobacco underwriting.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">11</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">This charge is deducted from Contract Fund Value when there is Policy Debt and is intended to cover the costs associated with loans. This charge, that has a </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">guaranteed maximum rate of 2%, encompasses any loan interest spread, which is the difference between the interest rate charged on policy loan amounts and the interest rate credited on amounts designated as collateral for the loan. The interest rates charged to loan amounts and credited to collateral are adjustable but are subject to a guaranteed maximum difference of 2%. When the insured is at or above Attained Age 100, the current Policy Debt Expense Charge is 0.00%. Please see “</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> Loans” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> for more information regarding how the loan interest rate is calculated.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">12</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The current minimum Specified Amount is $100,000 for Issue Ages 18-75 and $50,000 for Issue Ages 0-17.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">13</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Maximum Charge for the Underwriting and Issue Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 25, Class 1 to 9 Non- Tobacco/Occasional Tobacco, Standard Plus Tobacco, and Class 1 to 7 Tobacco underwriting classification.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">14</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Minimum Charge for the Underwriting and Issue Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 55, Premier, Preferred; and Standard Plus Non-Tobacco/Occasional Tobacco; Premier and Preferred Tobacco underwriting classification.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">15</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The charges for the Selected Monthly Premium Benefit vary based on the Insured’s Attained Age, underwriting classification, and “Selected Monthly </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Premium,” and may increase from year to year. </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Selected Monthly Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> is an amount the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> selects subject to a maximum permitted amount. The charges shown in the table may not be representative of the charges a particular </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> may pay. If selected, the Selected Monthly Premium Benefit provides, during the total disability of the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, for the credit of the greater of (1) the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Selected Monthly Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> or (2) the amount needed to provide for the credit of the “</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Monthly Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">” (current </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Monthly Policy Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> excluding the Monthly </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Debt</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> Expense Charge and the charge for this benefit). (See “Other Benefits Available Under the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;margin-left:2pt;">—Optional Benefits Available for a Charge” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> for more information about this benefit.) The monthly charge for this benefit is the greater of the selected monthly premium rate times the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Selected Monthly Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> or the specified monthly charges rate times the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Monthly Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. If this optional benefit is selected, the maximum rates are shown in your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">16</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Maximum Charge for the Selected Monthly Premium Benefit assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 57, standard underwriting classification for Selected Monthly Premium and attained Age 59, standard underwriting classification for Specified Monthly Charges.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">17</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Minimum Charge for the Selected Monthly Premium Benefit assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Ages</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 0-17, standard underwriting classification. This assumes the amount of the charge determined by the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Selected Monthly Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> is greater than the amount of the charge determined by the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Monthly Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">18</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The charges for the Additional Purchase Benefit vary based on the Insured’s gender and Attained Age at the time the benefit is added to the Policy. The </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">charges shown in the table may not be representative of the charges a particular </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> may pay. The maximum Additional Purchase Benefit amount is the lesser of two times the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and $200,000.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">19</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Current Charge for the Maximum Charge for the Additional Purchase Benefit Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: Male, Benefit added at </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 13-14. The Guaranteed Maximum Charge for the Additional Purchase Benefit Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: Benefit added at </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 38 for Male or Female.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">20</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Current Charge for the Minimum Charge for the Additional Purchase Benefit Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: Female, Benefit added at </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 30, 33, 36, and 38. The Guaranteed Maximum Charge for the Minimum Charge of the Additional Purchase Benefit Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristic: Male or Female, Benefit added at </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 0.</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date</span> 0.83 0.00005 <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:523pt;table-layout:auto;"> <tr style="height:41.5pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured Age </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">35, Male, Premier</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tobacco</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">underwriting </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">classification</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:108pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.11 (monthly) per </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$1,000 of net amount at </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">risk in the first </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Year </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(varies by </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Year</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">)</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:2pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.01 (monthly) per $1,000 of net amount at risk in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">the first </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Year</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (varies by </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Year</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">)</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Percent of Contract</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Value Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date</span> 0.0005 0.0000 <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Administrative</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date</span> 33 16 7 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured Age </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">35, Male, Premier</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tobacco</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">underwriting </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">classification</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$19 (monthly)</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$9 (monthly)</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">during the first ten </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span> 0.01375 0.01021 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured Age </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">35, Male, Premier</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tobacco</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">underwriting </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">classification</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.25% (monthly) of </span><a href="#bookmark_tar_getpremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> during </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-10</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Guarantee </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">when the </span><a href="#bookmark_deathbenefitguarantee_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit </span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Guarantee</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> is in force</span> 0.0002 0.0001 <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Policy Debt Expense </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">11</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">when there is </span><a href="#bookmark_policydebt_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Debt</span></a> 0.0017 0.000592 0.000175 <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Underwriting and</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Issue </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">12</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">during the first ten </span><a href="#bookmark_policyyear_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span> 0.00026 0.00005 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured Age </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">35, Male, Premier</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tobacco</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">underwriting </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">classification</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.007 (monthly) per $1,000 of </span><a href="#bookmark_initialspecifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Initial Specified </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_initialspecifiedamount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Amount</span></a></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Selected</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Monthly </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Premium</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Benefit </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">15</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly, on each </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date</span> 0.0009 0.0014 0.0100 0.0003 0.00003 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:44pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured Age 0, </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Male, Premier</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Non-</span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tobacco</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">underwriting </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">classification</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.003 per $1.00 of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Selected Monthly </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.0009 (monthly) per $1.00 of </span><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Selected Monthly </span></a></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><a href="#bookmark_selectedmonthlypremium_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Additional Purchase </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Benefit Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">18</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Processing Date</span> 0.0014 0.0003 0.0000 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:523pt;table-layout:auto;"> <tr style="height:34pt;"> <td style="background-color:#E5E5E5;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:9.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Charge for Insured, Issue </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Age 0, Male</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.04 (monthly) per </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$1,000 of additional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">purchase benefit amount</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:201.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$0.01 (monthly) per $1,000 of additional purchase </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">benefit</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Terminal Illness Benefit</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">When you request an </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">accelerated death benefit </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">payment</span> 250 <span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Cost of Insurance Charge will vary based on factors including but not limited to the Insured’s Attained Age, sex, underwriting classification, underwriting </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">amount, and </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. The Cost of Insurance Charges shown in the table may not be representative of the charges a particular </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> may pay. The net amount at risk is the difference between the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Value</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">3</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Maximum Charge for the Cost of Insurance Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristic: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 120. Charges applicable to other combinations of </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> characteristics may be the same as the charge shown for the Maximum Charge for the Cost of Insurance Charge.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">4</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">For the Minimum Charge for the Cost of Insurance Charge, the Current Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> is in the first </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, and that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: Female, </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Ages</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 1-10, Premier Non-Tobacco underwriting classification. For the Minimum Charge for the Cost of Insurance Charge, the Guaranteed Maximum Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristic: Female, </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Ages</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 1-13, Premier Non-Tobacco underwriting classification. Charges applicable to other combinations of </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> characteristics may be the same as the charge shown for the Minimum Charge for the Cost of Insurance Charge.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">5</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The amount of the Cost of Insurance Charge is determined by multiplying the net amount at risk by the cost of insurance rate (see “Charges and Deductions” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">). The net amount at risk is the difference between the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> (or the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Guaranteed Minimum Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> if the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> is in force under the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Death Benefit Guarantee</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">) and the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Value</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. Generally, the cost of insurance rate will increase each </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Year</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span> <span style="color:#000000;font-family:Arial;font-size:7.36pt;">For purposes of this charge, the Contract Fund Value is as of the day previous to a Monthly Processing Date plus investment results and interest credited </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">applicable for that </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Monthly Processing Date</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. This charge may vary based on the proportionate amount of </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Contract Fund Value</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">NM Strength and </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Stability Account (see “The Fixed Option” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">) and/or different rates may apply to amounts in the Divisions versus amounts in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">NM Strength </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">and Stability Account.</span> <span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Maximum Charge for the Administrative Charge assumes that the Insured has the following characteristics: Issue Age 75, Class 1 to 9 Non-Tobacco/ </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Occasional Tobacco, Standard Plus Tobacco, and Class 1 to 7 Tobacco underwriting classification.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">8</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Minimum Charge for the Administrative Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Ages</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 0-15, Premier, Preferred, and Standard Plus Non-Tobacco and Premier and Preferred Tobacco underwriting classification.</span> <span style="color:#000000;font-family:Arial;font-size:7.36pt;">For the Maximum Charge for the Specified Amount Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the Insured has the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 65, Class Preferred, Standard Plus and Class 1 to 7 Tobacco underwriting classification.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">10</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Minimum Charge for the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> Charge, the Current Charge and the Guaranteed Maximum Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 15, Class Premier, Preferred Non-Tobacco/Occasional Tobacco underwriting.</span> <span style="color:#000000;font-family:Arial;font-size:7.36pt;">This charge is deducted from Contract Fund Value when there is Policy Debt and is intended to cover the costs associated with loans. This charge, that has a </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">guaranteed maximum rate of 2%, encompasses any loan interest spread, which is the difference between the interest rate charged on policy loan amounts and the interest rate credited on amounts designated as collateral for the loan. The interest rates charged to loan amounts and credited to collateral are adjustable but are subject to a guaranteed maximum difference of 2%. When the insured is at or above Attained Age 100, the current Policy Debt Expense Charge is 0.00%. Please see “</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> Loans” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> for more information regarding how the loan interest rate is calculated.</span> <span style="color:#000000;font-family:Arial;font-size:7.36pt;">The current minimum Specified Amount is $100,000 for Issue Ages 18-75 and $50,000 for Issue Ages 0-17.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">13</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Maximum Charge for the Underwriting and Issue Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 25, Class 1 to 9 Non- Tobacco/Occasional Tobacco, Standard Plus Tobacco, and Class 1 to 7 Tobacco underwriting classification.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">14</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Minimum Charge for the Underwriting and Issue Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Issue Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 55, Premier, Preferred; and Standard Plus Non-Tobacco/Occasional Tobacco; Premier and Preferred Tobacco underwriting classification.</span> <span style="color:#000000;font-family:Arial;font-size:7.36pt;">The charges for the Selected Monthly Premium Benefit vary based on the Insured’s Attained Age, underwriting classification, and “Selected Monthly </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Premium,” and may increase from year to year. </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Selected Monthly Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> is an amount the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> selects subject to a maximum permitted amount. The charges shown in the table may not be representative of the charges a particular </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> may pay. If selected, the Selected Monthly Premium Benefit provides, during the total disability of the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, for the credit of the greater of (1) the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Selected Monthly Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> or (2) the amount needed to provide for the credit of the “</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Monthly Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">” (current </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Monthly Policy Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> excluding the Monthly </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy Debt</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> Expense Charge and the charge for this benefit). (See “Other Benefits Available Under the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;margin-left:2pt;">—Optional Benefits Available for a Charge” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> for more information about this benefit.) The monthly charge for this benefit is the greater of the selected monthly premium rate times the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Selected Monthly Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> or the specified monthly charges rate times the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Monthly Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. If this optional benefit is selected, the maximum rates are shown in your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Policy</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">16</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Maximum Charge for the Selected Monthly Premium Benefit assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 57, standard underwriting classification for Selected Monthly Premium and attained Age 59, standard underwriting classification for Specified Monthly Charges.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">17</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Minimum Charge for the Selected Monthly Premium Benefit assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Ages</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 0-17, standard underwriting classification. This assumes the amount of the charge determined by the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Selected Monthly Premium</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> is greater than the amount of the charge determined by the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Monthly Charges</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span> <span style="color:#000000;font-family:Arial;font-size:7.36pt;">The charges for the Additional Purchase Benefit vary based on the Insured’s gender and Attained Age at the time the benefit is added to the Policy. The </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">charges shown in the table may not be representative of the charges a particular </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Owner</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> may pay. The maximum Additional Purchase Benefit amount is the lesser of two times the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Specified Amount</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and $200,000.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">19</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Current Charge for the Maximum Charge for the Additional Purchase Benefit Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: Male, Benefit added at </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 13-14. The Guaranteed Maximum Charge for the Additional Purchase Benefit Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: Benefit added at </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 38 for Male or Female.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">20</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Current Charge for the Minimum Charge for the Additional Purchase Benefit Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristics: Female, Benefit added at </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 30, 33, 36, and 38. The Guaranteed Maximum Charge for the Minimum Charge of the Additional Purchase Benefit Charge assumes that the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> has the following characteristic: Male or Female, Benefit added at </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Attained Age</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> 0.</span> <span style="color:#000000;font-family:Arial;font-size:14.72pt;">Annual </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:14.72pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:14.72pt;"> Operating Expenses</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">The table below shows the range (minimum and maximum) of total operating expenses charged by the </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;"> that you may pay periodically during the time you own your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">. The table below is based on information as of December 31, 2025 and may change from year to year. A complete list of the </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;"> available under your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">, including their annual expenses, may be found at the back of this document.</span> <br/> <br/><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span> <br/><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.92pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523pt;"> <tr style="height:12.75pt;"> <td style="vertical-align:Bottom;width:427.66pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:48.2pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12.45%;margin-right:12.45%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Minimum</span></div></div></div></td> <td style="vertical-align:Bottom;width:47.13pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:12.73%;margin-right:3.18%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Maximum</span></div></div></div></td></tr> <tr style="height:22.25pt;"> <td style="background-color:azure;vertical-align:Bottom;width:427.66pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Annual </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> Operating Expenses (expenses deducted from </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> assets, including management fees, </span></div> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:9pt;">distribution (12b-1) fees, and other expenses as a percentage of average </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> assets)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:48.2pt;"> <div style="line-height:9.20pt;margin-left:6pt;margin-right:6pt;text-align:right;width:36.2pt;"> <div style="display:flex;margin:auto;width:24.36pt;"> <div style="display:flex;white-space:nowrap;width:24.36pt;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">0.14%</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:47.13pt;"> <div style="line-height:9.20pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:38.13pt;"> <div style="display:flex;margin:auto;width:24.36pt;"> <div style="display:flex;white-space:nowrap;width:24.36pt;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">2.50%</span></div></div></div></td></tr> <tr style="height:9.5pt;"> <td style="vertical-align:Bottom;width:427.66pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Annual </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> Operating Expenses After Contractual Fee Waiver or Reimbursement*</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:48.2pt;"> <div style="line-height:9.20pt;margin-left:6pt;margin-right:6pt;text-align:right;width:36.2pt;"> <div style="display:flex;margin:auto;width:24.36pt;"> <div style="display:flex;white-space:nowrap;width:24.36pt;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">0.14%</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:47.13pt;"> <div style="line-height:9.20pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:38.13pt;"> <div style="display:flex;margin:auto;width:24.36pt;"> <div style="display:flex;white-space:nowrap;width:24.36pt;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">2.45%</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:7.36pt;">*</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The “Annual </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> Operating Expenses After Contractual Fee Waiver or Reimbursement” line in the above table shows the minimum and maximum fees and expenses charged by all of the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Portfolios</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> after taking into account contractual fee waiver or reimbursement arrangements in place. Those contractual arrangements are designed to reduce </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> Operating Expenses and will continue until at least April 30, 2027.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">For more information about voluntary fee waivers that may be in place, see the “Charges and Deductions” section.</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Annual </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> Operating Expenses (expenses deducted from </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> assets, including management fees, </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:9pt;">distribution (12b-1) fees, and other expenses as a percentage of average </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> assets)</span> 0.0014 0.0250 <span style="color:#000000;font-family:Arial;font-size:22.08pt;">Risks of the Policy</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy for Long-Term Protection</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Your Policy is designed to serve your long-term life insurance protection need. It is not suitable for short-term life insurance protection nor for short-term investing. Surrender charges apply in the first 10 Policy Years and the value of your Policy and Life Insurance Benefit will be reduced if you withdraw money. In addition, short-term investment in the Policy may subject you to income taxes and tax penalties.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Investment Risk</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Policy Value in the Divisions will fluctuate with the performance of the Portfolios. Amounts you allocate among the Divisions may grow in value, decline in value, or grow less than you expect depending on the investment performance of the corresponding Portfolios. Policy Value is not guaranteed, and you can lose money. Depending on any Death Benefit Guarantee in effect, you may be required to pay more premiums than originally planned in order to keep the Policy in force. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">A comprehensive discussion of the investment objectives and risks of each Portfolio may be found in each Portfolio’s prospectus. There is no assurance that any Portfolio will achieve its stated investment objective. The Policy is not designed for frequent or short-term trading.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.580pt;"> </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Insurance Default Risk</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Because certain guarantees under the Policy are guaranteed by the Company’s General Account assets, the ability to make good on these guarantees depends on the financial strength and claims-paying ability of the Company. Therefore, guaranteed benefits outside of the Separate Account, including any available fixed options, are subject to the risk of default to the extent the Company is unable to satisfy some or all of these guarantees.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.580pt;"> </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy Lapse</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Insufficient Premium Payments, poor investment results, withdrawals, unpaid loans, or loan interest may cause your Policy to lapse, meaning you will no longer have any life insurance coverage. If, on a Monthly Processing Date, the Cash Surrender Value (which takes into account any applicable surrender charge) is not enough to pay the Monthly Policy Charge, your Policy will enter a 61-day grace period, unless the Death Benefit Guarantee is in effect. If your Policy enters a grace period, we will notify you that the Policy will lapse (terminate without value) at the end of the grace period unless you make a sufficient payment. Your Policy may be reinstated within three years (or longer if required by state law) after it has lapsed, subject to certain conditions.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.580pt;"> </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy Loan Risks</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">A Policy loan, whether or not repaid, will affect the value of your Policy over time because the amounts borrowed do not participate in the investment performance of the Divisions; in addition, a charge is deducted from your Contract Fund Value each month while there is Policy Debt. The Life Insurance Benefit is reduced by the amount of any outstanding Policy Debt. If you surrender the Policy or allow it to lapse while Policy Debt is outstanding, the amount of Policy Debt is extinguished by applying the Policy Value to repay it. If the Policy Debt exceeds the cost basis in the contract, we are required to report the extinguishment to you and the IRS on an IRS Form 1099-R. Policy Debt reduces the Cash Surrender Value and increases the risk that your Policy will lapse.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.580pt;"> </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Limitations on Access to Your Policy Value</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Accessing your Policy Value may have tax consequences. We will deduct a surrender charge if you surrender your Policy in the first ten Policy Years. Even if your Policy has value, it is possible that you will receive no Cash Surrender Value if you surrender the Policy in the first ten Policy Years. 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 your Policy in the near future. Even if you do not ask to surrender the Policy, surrender charges may play a role in determining whether the Policy will lapse, because surrender charges affect the Cash Surrender Value, which is a measure we use to determine whether your Policy will enter a grace period (and possibly lapse). See “Policy Lapse” above. You may make withdrawals subject to limitations on the amount that may be withdrawn. (See “Withdrawals”). A withdrawal will reduce the Contract Fund Value and Life Insurance Benefit. The minimum amount of a withdrawal is $250. </span> <br/> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.580pt;"> </span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.580pt;">Amounts allocated to the NM Strength and Stability Account cannot be transferred to the Divisions. As a result, you should carefully consider whether this option meets your investment needs.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Adverse Tax Consequences</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Our understanding of the principal tax considerations for the Policy under current tax law is set forth in this Prospectus. A surrender, loan, or withdrawal may have tax consequences. There are areas of some uncertainty under current law, and we do not address the likelihood of future changes in the law or interpretations thereof. Among other risks, your Policy may become a modified endowment contract. A modified endowment contract (“MEC”) is a life insurance contract that is taxed less favorably on lifetime distributions than other life insurance contracts because the contract is considered too investment oriented. Generally, a Policy may be classified as a MEC if cumulative premiums paid during a seven-pay period exceed a “seven-pay” limit defined in the Internal Revenue Code (“Code”). Distributions, including loans, from a Policy classified as a MEC are taxable to the extent of the gain in the Policy and may be subject to a 10% penalty tax if taken before the Owner attains age 59½. Moreover, excessive Policy loans could cause a Policy to terminate with insufficient value to pay the tax due upon termination. Death Benefit proceeds may be subject to state and/or inheritance taxes. (See “Tax Considerations.”)</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Risk of an Increase in Current Fees and Expenses</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Certain insurance charges are currently assessed at less than their maximum levels. We may increase these current charges in the future up to the guaranteed maximum levels, based on the Company’s emerging experience or future expectations, as determined in its sole discretion, with respect to, but not limited to, mortality, expenses, reinsurance costs, taxes, persistency, capital requirements, reserve requirements, and changes in applicable laws. Although some Funds may have expense limitation agreements, the operating expenses of the Portfolios are not guaranteed and may increase or decrease over time. If fees and expenses are increased, you may need to increase the amount and/or frequency of Premium Payments to keep the Policy in force.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Cybersecurity and Certain Business Continuity Risks</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Company has administrative, technical and physical safeguards in place with respect to information security, nevertheless, our variable product business is potentially susceptible to operational and information security risks resulting from a cyber-attack as it is highly dependent upon the effective operation of our computer systems and those of our business partners. These risks include, among other things, the theft, misuse, corruption and destruction of data maintained online or digitally, denial of service on websites and other operational disruption and unauthorized release of confidential customer information. Cyber-attacks affecting us, the Portfolios, intermediaries and other affiliated or third-party service providers may adversely affect us and your Policy Value. For instance, cyber-attacks may interfere with our processing of contract transactions (including the processing of orders through our website, if available, or with the Portfolios), impact our ability to calculate values, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers and intermediaries to regulatory fines and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the Portfolios invest, which may cause the Portfolios to lose value. The risk of cyber-attacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments). There can be no assurance that we or the Portfolios or our service providers will avoid losses affecting your Policy due to cyber-attacks or information security breaches in the future.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Other disruptive events, including (but not limited to) natural or man-made disasters and public health crises or pandemics, may also adversely affect our ability to conduct business, including if our employees or the employees of intermediaries or other affiliated or third-party service providers are unable to perform their responsibilities as a result of any such event. Such disruptions to our business operations can interfere with issuance or our processing of transactions (including the processing of orders through our website or with the Portfolios), may interfere with our ability to receive, pickup and process mail and messages, impact our ability to calculate values, or cause other operational or system issues. Furthermore, these disruptions may persist even if our employees or the employees of intermediaries or other affiliate or third-party service providers are able to work remotely. These events may also impact the issuers of securities in which the Portfolios invest, which may cause the Portfolios to lose value. There can be no assurance that the Company, the Portfolios or our service providers will avoid losses affecting your Policy due to a disaster or other catastrophe.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Privacy Risks </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Variable life insurance policies face significant privacy risks, including cyberattacks and unauthorized access and use of sensitive personal and financial data, which can lead to identity theft and financial fraud, and other harms. Northwestern Mutual ensures employees receive training on privacy protocols and data minimization practices in addition to other robust data protection measures to mitigate these risks and maintain compliance with applicable privacy laws and regulations.</span> <span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy for Long-Term Protection</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Your Policy is designed to serve your long-term life insurance protection need. It is not suitable for short-term life insurance protection nor for short-term investing. Surrender charges apply in the first 10 Policy Years and the value of your Policy and Life Insurance Benefit will be reduced if you withdraw money. In addition, short-term investment in the Policy may subject you to income taxes and tax penalties.</span> <span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Investment Risk</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Policy Value in the Divisions will fluctuate with the performance of the Portfolios. Amounts you allocate among the Divisions may grow in value, decline in value, or grow less than you expect depending on the investment performance of the corresponding Portfolios. Policy Value is not guaranteed, and you can lose money. Depending on any Death Benefit Guarantee in effect, you may be required to pay more premiums than originally planned in order to keep the Policy in force. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">A comprehensive discussion of the investment objectives and risks of each Portfolio may be found in each Portfolio’s prospectus. There is no assurance that any Portfolio will achieve its stated investment objective. The Policy is not designed for frequent or short-term trading.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.580pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Insurance Default Risk</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Because certain guarantees under the Policy are guaranteed by the Company’s General Account assets, the ability to make good on these guarantees depends on the financial strength and claims-paying ability of the Company. Therefore, guaranteed benefits outside of the Separate Account, including any available fixed options, are subject to the risk of default to the extent the Company is unable to satisfy some or all of these guarantees.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.580pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy Lapse</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Insufficient Premium Payments, poor investment results, withdrawals, unpaid loans, or loan interest may cause your Policy to lapse, meaning you will no longer have any life insurance coverage. If, on a Monthly Processing Date, the Cash Surrender Value (which takes into account any applicable surrender charge) is not enough to pay the Monthly Policy Charge, your Policy will enter a 61-day grace period, unless the Death Benefit Guarantee is in effect. If your Policy enters a grace period, we will notify you that the Policy will lapse (terminate without value) at the end of the grace period unless you make a sufficient payment. Your Policy may be reinstated within three years (or longer if required by state law) after it has lapsed, subject to certain conditions.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.580pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Policy Loan Risks</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">A Policy loan, whether or not repaid, will affect the value of your Policy over time because the amounts borrowed do not participate in the investment performance of the Divisions; in addition, a charge is deducted from your Contract Fund Value each month while there is Policy Debt. The Life Insurance Benefit is reduced by the amount of any outstanding Policy Debt. If you surrender the Policy or allow it to lapse while Policy Debt is outstanding, the amount of Policy Debt is extinguished by applying the Policy Value to repay it. If the Policy Debt exceeds the cost basis in the contract, we are required to report the extinguishment to you and the IRS on an IRS Form 1099-R. Policy Debt reduces the Cash Surrender Value and increases the risk that your Policy will lapse.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.580pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Limitations on Access to Your Policy Value</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Accessing your Policy Value may have tax consequences. We will deduct a surrender charge if you surrender your Policy in the first ten Policy Years. Even if your Policy has value, it is possible that you will receive no Cash Surrender Value if you surrender the Policy in the first ten Policy Years. 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 your Policy in the near future. Even if you do not ask to surrender the Policy, surrender charges may play a role in determining whether the Policy will lapse, because surrender charges affect the Cash Surrender Value, which is a measure we use to determine whether your Policy will enter a grace period (and possibly lapse). See “Policy Lapse” above. You may make withdrawals subject to limitations on the amount that may be withdrawn. (See “Withdrawals”). A withdrawal will reduce the Contract Fund Value and Life Insurance Benefit. The minimum amount of a withdrawal is $250. </span> <br/> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.580pt;"> </span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.580pt;">Amounts allocated to the NM Strength and Stability Account cannot be transferred to the Divisions. As a result, you should carefully consider whether this option meets your investment needs.</span> <span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Adverse Tax Consequences</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Our understanding of the principal tax considerations for the Policy under current tax law is set forth in this Prospectus. A surrender, loan, or withdrawal may have tax consequences. There are areas of some uncertainty under current law, and we do not address the likelihood of future changes in the law or interpretations thereof. Among other risks, your Policy may become a modified endowment contract. A modified endowment contract (“MEC”) is a life insurance contract that is taxed less favorably on lifetime distributions than other life insurance contracts because the contract is considered too investment oriented. Generally, a Policy may be classified as a MEC if cumulative premiums paid during a seven-pay period exceed a “seven-pay” limit defined in the Internal Revenue Code (“Code”). Distributions, including loans, from a Policy classified as a MEC are taxable to the extent of the gain in the Policy and may be subject to a 10% penalty tax if taken before the Owner attains age 59½. Moreover, excessive Policy loans could cause a Policy to terminate with insufficient value to pay the tax due upon termination. Death Benefit proceeds may be subject to state and/or inheritance taxes. (See “Tax Considerations.”)</span> <span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Risk of an Increase in Current Fees and Expenses</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Certain insurance charges are currently assessed at less than their maximum levels. We may increase these current charges in the future up to the guaranteed maximum levels, based on the Company’s emerging experience or future expectations, as determined in its sole discretion, with respect to, but not limited to, mortality, expenses, reinsurance costs, taxes, persistency, capital requirements, reserve requirements, and changes in applicable laws. Although some Funds may have expense limitation agreements, the operating expenses of the Portfolios are not guaranteed and may increase or decrease over time. If fees and expenses are increased, you may need to increase the amount and/or frequency of Premium Payments to keep the Policy in force.</span> <span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Cybersecurity and Certain Business Continuity Risks</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Company has administrative, technical and physical safeguards in place with respect to information security, nevertheless, our variable product business is potentially susceptible to operational and information security risks resulting from a cyber-attack as it is highly dependent upon the effective operation of our computer systems and those of our business partners. These risks include, among other things, the theft, misuse, corruption and destruction of data maintained online or digitally, denial of service on websites and other operational disruption and unauthorized release of confidential customer information. Cyber-attacks affecting us, the Portfolios, intermediaries and other affiliated or third-party service providers may adversely affect us and your Policy Value. For instance, cyber-attacks may interfere with our processing of contract transactions (including the processing of orders through our website, if available, or with the Portfolios), impact our ability to calculate values, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers and intermediaries to regulatory fines and financial losses and/or cause reputational damage. Cybersecurity risks may also impact the issuers of securities in which the Portfolios invest, which may cause the Portfolios to lose value. The risk of cyber-attacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments). There can be no assurance that we or the Portfolios or our service providers will avoid losses affecting your Policy due to cyber-attacks or information security breaches in the future.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Other disruptive events, including (but not limited to) natural or man-made disasters and public health crises or pandemics, may also adversely affect our ability to conduct business, including if our employees or the employees of intermediaries or other affiliated or third-party service providers are unable to perform their responsibilities as a result of any such event. Such disruptions to our business operations can interfere with issuance or our processing of transactions (including the processing of orders through our website or with the Portfolios), may interfere with our ability to receive, pickup and process mail and messages, impact our ability to calculate values, or cause other operational or system issues. Furthermore, these disruptions may persist even if our employees or the employees of intermediaries or other affiliate or third-party service providers are able to work remotely. These events may also impact the issuers of securities in which the Portfolios invest, which may cause the Portfolios to lose value. There can be no assurance that the Company, the Portfolios or our service providers will avoid losses affecting your Policy due to a disaster or other catastrophe.</span> <span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Privacy Risks </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Variable life insurance policies face significant privacy risks, including cyberattacks and unauthorized access and use of sensitive personal and financial data, which can lead to identity theft and financial fraud, and other harms. Northwestern Mutual ensures employees receive training on privacy protocols and data minimization practices in addition to other robust data protection measures to mitigate these risks and maintain compliance with applicable privacy laws and regulations.</span> <span style="color:#000000;font-family:Arial;font-size:14.72pt;">Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Life Insurance Benefit</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">As long as your Policy is in force, we will pay the Life Insurance Benefit to your beneficiary or beneficiaries once we receive at our Home Office satisfactory proof of the Insured's death, subject to the limitations stated in the Policy or imposed by law. We will pay the Life Insurance Benefit either in a lump sum or, at your option or the option of your beneficiary, by establishing a fixed Income Plan in the beneficiary’s name. (See “Other Benefits Available Under the Policy</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:2.5pt;">— </span> <div> </div><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Income Plans.”) Payments under these plans are from our General Account and are subject to the claims of our creditors. Owners must look to the financial strength of the Company and its General Account with regard to guarantees under the Policy.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Subject to applicable provisions of the policy (e.g., misstatements), the amount of the Life Insurance Benefit will be:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Death Benefit, or the Guaranteed Minimum Death Benefit if the Policy is in force under the Death Benefit Guarantee; </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;text-decoration:underline;">minus</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the amount of any Policy Debt;</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;text-decoration:underline;">minus</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the amount of any adjustments to the Life Insurance Benefit where (i) the Death Benefit Guarantee is keeping the Policy in force </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;text-decoration:underline;">and</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> the Insured dies during the Death Benefit Guarantee Grace Period or (ii) the Insured dies during a Policy Grace Period. (See “Death Benefit Guarantee Grace Period” and “Termination and Reinstatement”).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">These amounts will be determined as of the date of the Insured's death. Even though the Owner does not have the right to take any Policy loans or withdrawals after the date of the Insured's death, any Policy loans or withdrawals that are taken after the date of the Insured's death will be deducted from the Life Insurance Benefit.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">We will pay the Life Insurance Benefit to the beneficiary if he or she survives the Insured and is alive on the date of payment. (See “Other Policy Provisions</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:2.5pt;">—Naming a Beneficiary”). If no Income Plan is elected, we will pay interest on the Life Insurance </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Benefit from the date of the Insured’s death based on rates declared by the Company or as required by applicable state law. The investment performance of the Portfolios, as well as the charges and expenses under your Policy, may decrease your Death Benefit.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Company will usually mail the proceeds of your Life Insurance Benefit within seven days after we receive all satisfactory proof of death at our Home Office. However, we may postpone payment after proof of death whenever the NYSE is closed or restricted (other than on customary weekend and holidays) or if the SEC permits such a delay by rule, order or declaration. During any such postponement, proceeds will be held in our General account and are subject to the claims of our creditors.</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Death Benefit Options</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Death Benefit before the Policy Anniversary nearest the Insured’s 121</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">st</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday is determined by the Death Benefit option in effect at the time of the Insured’s death. The Death Benefit on and after the Policy Anniversary nearest the Insured’s 121</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">st</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday will be equal to the Policy Value. If you select the Death Benefit Guarantee option with a lifetime period and the guarantee has not previously terminated, then the Death Benefit on and after the Policy Anniversary nearest the Insured’s 121</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">st</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday will be the greater of the Policy Value or the Guaranteed Minimum Death Benefit.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Policy provides for three Death Benefit options:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Option A—the greater of the Specified Amount or the Minimum Death Benefit;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Option B—the greater of the Specified Amount </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;text-decoration:underline;">plus</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> Policy Value or the Minimum Death Benefit; or</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Option C—the greater of the Specified Amount </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;text-decoration:underline;">plus</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cumulative Premiums </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;text-decoration:underline;">minus</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cumulative Withdrawals or the Minimum Death Benefit.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">All three death benefit options may not be available in all states. We calculate the amount available under the applicable Death Benefit option as of the date of the Insured’s death. You must elect a Death Benefit option at issue or your application will be deemed not in Good Order, in which case either we or your Financial Representative may notify you in an effort to conform your application to our then-current requirements.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The option you choose on your Application will generally depend on whether you prefer an increasing Death Benefit or a larger Policy Value, but in each case the Death Benefit will be at least the Minimum Death Benefit required for your Policy to qualify as life insurance under the Code. For purposes of Option C, cumulative Premium Payments do not include amounts credited to the Policy under the Selected Monthly Premium Benefit.</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Minimum Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Minimum Death Benefit is the amount required by federal tax law to maintain the Policy as a life insurance contract. Under any of the Death Benefit options, we will increase the Death Benefit if necessary to satisfy this requirement.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">A Policy must satisfy one of two testing methods to qualify as life insurance for federal income tax purposes. You may choose either the Guideline Premium/Cash Value Corridor Test or the Cash Value Accumulation Test. Both tests require the Policy’s Death Benefit to equal or exceed a defined relationship to, or multiple of, the Policy Value. You make the choice of testing methods when you purchase a Policy and it cannot be changed.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">For the Guideline Premium/Cash Value Corridor Test the minimum multiples of Death Benefit to the Policy Value are shown in the following table.</span><span style="color:#000000;font-family:Arial;font-size:14.72pt;">Guideline Premium/Cash Value</span><span style="color:#000000;font-family:Arial;font-size:14.72pt;margin-left:4pt;">—Corridor Test Multiples</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.92pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523pt;"> <tr style="height:11.75pt;"> <td style="vertical-align:Bottom;width:204.52pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0%;margin-right:2.20%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;margin-left:0.0pt;">Attained Age </span></div></div></div></td> <td style="vertical-align:Bottom;width:56.98pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:7.90%;margin-right:7.90%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;margin-left:0.0pt;">Policy Value %</span></div></div></div></td> <td style="vertical-align:Bottom;width:209.02pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.15%;margin-right:2.15%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;margin-left:0.0pt;">Attained Age </span></div></div></div></td> <td style="vertical-align:Bottom;width:52.48pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.57%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;margin-left:0.0pt;">Policy Value %</span></div></div></div></td></tr> <tr style="height:12.25pt;"> <td style="background-color:azure;vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">40 or under</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">250</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">61</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">128</span></div></div></td></tr> <tr style="height:11pt;"> <td style="vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">41</span></div></div></td> <td style="vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">243</span></div></div></td> <td style="vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">62</span></div></div></td> <td style="vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">126</span></div></div></td></tr> <tr style="height:11pt;"> <td style="background-color:azure;vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">42</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">236</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">63</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">124</span></div></div></td></tr> <tr style="height:11pt;"> <td style="vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">43</span></div></div></td> <td style="vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">229</span></div></div></td> <td style="vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">64</span></div></div></td> <td style="vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">122</span></div></div></td></tr> <tr style="height:11pt;"> <td style="background-color:azure;vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">44</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">222</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">65</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">120</span></div></div></td></tr> <tr style="height:11pt;"> <td style="vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">45</span></div></div></td> <td style="vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">215</span></div></div></td> <td style="vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">66</span></div></div></td> <td style="vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">119</span></div></div></td></tr> <tr style="height:11pt;"> <td style="background-color:azure;vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">46</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">209</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">67</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">118</span></div></div></td></tr> <tr style="height:11pt;"> <td style="vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">47</span></div></div></td> <td style="vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">203</span></div></div></td> <td style="vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">68</span></div></div></td> <td style="vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">117</span></div></div></td></tr> <tr style="height:11pt;"> <td style="background-color:azure;vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">48</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">197</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">69</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">116</span></div></div></td></tr> <tr style="height:11pt;"> <td style="vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">49</span></div></div></td> <td style="vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">191</span></div></div></td> <td style="vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">70</span></div></div></td> <td style="vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">116</span></div></div></td></tr> <tr style="height:11pt;"> <td style="background-color:azure;vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">50</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">185</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">71</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">113</span></div></div></td></tr> <tr style="height:11pt;"> <td style="vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">51</span></div></div></td> <td style="vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">178</span></div></div></td> <td style="vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">72</span></div></div></td> <td style="vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">111</span></div></div></td></tr> <tr style="height:11pt;"> <td style="background-color:azure;vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">52</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">171</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">73</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">109</span></div></div></td></tr> <tr style="height:11pt;"> <td style="vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">53</span></div></div></td> <td style="vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">164</span></div></div></td> <td style="vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">74</span></div></div></td> <td style="vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">107</span></div></div></td></tr> <tr style="height:11pt;"> <td style="background-color:azure;vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">54</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">157</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">75-90</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">105</span></div></div></td></tr> <tr style="height:11pt;"> <td style="vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">55</span></div></div></td> <td style="vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">150</span></div></div></td> <td style="vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">91</span></div></div></td> <td style="vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">104</span></div></div></td></tr> <tr style="height:11pt;"> <td style="background-color:azure;vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">56</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">146</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">92</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">103</span></div></div></td></tr> <tr style="height:11pt;"> <td style="vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">57</span></div></div></td> <td style="vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">142</span></div></div></td> <td style="vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">93</span></div></div></td> <td style="vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">102</span></div></div></td></tr> <tr style="height:11pt;"> <td style="background-color:azure;vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">58</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">138</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">94</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">101</span></div></div></td></tr> <tr style="height:11pt;"> <td style="vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">59</span></div></div></td> <td style="vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">134</span></div></div></td> <td style="vertical-align:Bottom;width:209.02pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">95 or over</span></div></div></td> <td style="vertical-align:Bottom;width:52.48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">100</span></div></div></td></tr> <tr style="height:9.5pt;"> <td style="background-color:azure;vertical-align:Bottom;width:204.52pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">60</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:56.98pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;">130</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:209.02pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.5pt;margin-right:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:52.48pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9.20pt;">For the Cash Value Accumulation Test, the minimum multiples of Death Benefit to the Policy Value are calculated using net single premiums based on the </span><a href="#bookmark_attainedage_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Attained Age</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> of the </span><a href="#bookmark_insured_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;">, the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Policy’s</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> underwriting classification and an interest rate that is the greater of the rate or rates guaranteed at issue under the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> or the applicable accumulation test interest rate as defined in Internal Revenue </span><a href="#bookmark_code_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Code</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> section 7702 (currently 2%). An adjustment to the net single premium is made for certain kinds of optional benefits, if any. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Generally, the Guideline Premium/Cash Value Corridor Test has lower minimum multiples than the Cash Value Accumulation Test. This means that, given the same Policy Value, the minimum Death Benefit permissible by federal income tax law may be greater under the Cash Value Accumulation test than under the Guideline Premium/Cash Value Corridor Test. The Guideline Premium/Cash Value Corridor Test limits the amount of Premium Payment that may be paid in each Policy Year. Generally, the Cash Value Accumulation Test has no such annual limitation and, therefore, may allow more Premium Payments to be paid during the early Policy Years.</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Changing Death Benefit Options</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">You may change the Death Benefit option at any time while the Policy is in force, upon written request and subject to our approval. Death Benefit option changes are subject to our insurability requirements and issue limits. In addition, we will not permit a change if it is not allowed in your state or if it would result in either (i) your Policy being disqualified as a life insurance contract under federal tax law, or (ii) a Specified Amount less than the minimum Specified Amount we require for issuance of a new Policy at the time of the change. A Death Benefit option change may affect the Policy Value and Specified Amount, and also result in changes to, or termination of, the Death Benefit Guarantee. The Cost of Insurance Charge will increase if a change results in a larger net amount at risk. (See “Charges and Deductions </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:2.5pt;">– Monthly Policy </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Charges and Service Charges”). A Death Benefit option change results in the same net amount at risk at the time of the change, but may result in a larger net amount at risk over time than had the change not occurred. For example, a change from Death Benefit Option A to Option B should result in moving from a net amount at risk that would decline over time (assuming increasing Policy Value) to a net amount at risk that would remain level over time. Changing the Death Benefit option may have tax consequences. (See “Tax Considerations”).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">If your request is received in Good Order at our Home Office before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Monthly Processing Date, a change in the Death Benefit option will be effective on that date. If the written request is not received on a Monthly Processing Date, or is received on or after the close of trading on a Monthly Processing Date, it will be effective on the next Monthly Processing Date. We reserve the right to charge for a Death Benefit option change (See “Charges and Deduction</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:2.5pt;">—Monthly Policy Charges and Service Charges”).</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Death Benefit Guarantee</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Policy offers an optional Death Benefit Guarantee Period elected at issue. Your Policy may also be eligible for Death Benefit Guarantee Premium Suspension. See “Other Benefits Available Under the Policy” for more information about these benefits.</span> <span style="color:#000000;font-family:Arial;font-size:9.20pt;">Option A—the greater of the Specified Amount or the Minimum Death Benefit;</span> <span style="color:#000000;font-family:Arial;font-size:9.20pt;">Option B—the greater of the Specified Amount </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;text-decoration:underline;">plus</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> Policy Value or the Minimum Death Benefit; or</span> <span style="color:#000000;font-family:Arial;font-size:9.20pt;">Option C—the greater of the Specified Amount </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;text-decoration:underline;">plus</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cumulative Premiums </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;text-decoration:underline;">minus</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cumulative Withdrawals or the Minimum Death Benefit.</span> <span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Changing Death Benefit Options</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">You may change the Death Benefit option at any time while the Policy is in force, upon written request and subject to our approval. Death Benefit option changes are subject to our insurability requirements and issue limits. In addition, we will not permit a change if it is not allowed in your state or if it would result in either (i) your Policy being disqualified as a life insurance contract under federal tax law, or (ii) a Specified Amount less than the minimum Specified Amount we require for issuance of a new Policy at the time of the change. A Death Benefit option change may affect the Policy Value and Specified Amount, and also result in changes to, or termination of, the Death Benefit Guarantee. The Cost of Insurance Charge will increase if a change results in a larger net amount at risk. (See “Charges and Deductions </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:2.5pt;">– Monthly Policy </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Charges and Service Charges”). A Death Benefit option change results in the same net amount at risk at the time of the change, but may result in a larger net amount at risk over time than had the change not occurred. For example, a change from Death Benefit Option A to Option B should result in moving from a net amount at risk that would decline over time (assuming increasing Policy Value) to a net amount at risk that would remain level over time. Changing the Death Benefit option may have tax consequences. (See “Tax Considerations”).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">If your request is received in Good Order at our Home Office before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Monthly Processing Date, a change in the Death Benefit option will be effective on that date. If the written request is not received on a Monthly Processing Date, or is received on or after the close of trading on a Monthly Processing Date, it will be effective on the next Monthly Processing Date. We reserve the right to charge for a Death Benefit option change (See “Charges and Deduction</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:2.5pt;">—Monthly Policy Charges and Service Charges”).</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Death Benefit Guarantee</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Policy offers an optional Death Benefit Guarantee Period elected at issue. Your Policy may also be eligible for Death Benefit Guarantee Premium Suspension. See “Other Benefits Available Under the Policy” for more information about these benefits.</span> <span style="color:#000000;font-family:Arial;font-size:14.72pt;">Other Benefits Available Under the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:14.72pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;">In addition to the standard death benefits associated with your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;">, other standard and/or optional benefits may also be available to you. The following table(s) summarize information about those benefits. If applicable, information about the fees associated with each benefit included in the table may be found in the Fee and Expense Tables.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.92pt;"> </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:523pt;"> <tr style="height:21pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:129.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:201pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:96pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Is Benefit Standard or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:96.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Brief Description of </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Limitations/Restrictions</span></div></div></td></tr> <tr style="height:189pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Waiver Benefit: Selected </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Premium Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">For an </span><a href="#bookmark_insured_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> who has become totally disabled the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">company will credit minimum premium payments </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">equal to or greater than monthly charges without </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> lapsing</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Not available for all </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">ages or </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">underwriting </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">classifications</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">The insured must </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">become totally </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">disabled while this </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">benefit is in force, </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">the disability must </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">result from an </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">accident or </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">sickness, and the </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">disability must last </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">for at least six </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">months</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">There is a charge </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">for this benefit</span></div></div></td></tr> <tr style="height:66pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Additional Purchase Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Allows the </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> to purchase additional life </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">insurance policies on the life of the </span><a href="#bookmark_insured_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> without </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">proof of insurability</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Not available for all </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">ages or </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">underwriting </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">classifications</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">There is a charge </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">for this benefit</span></div></div></td></tr> <tr style="height:136pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit Guarantee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Allows you to select a </span><a href="#bookmark_deathbenefitguaranteeperiod_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit Guarantee </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_deathbenefitguaranteeperiod_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Period</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> during which the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> is guaranteed not to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">terminate due to insufficient value in your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be elected at </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">issue</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Monthly charges </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">will reduce the </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">value in your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">during the </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">guarantee period, </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">which may </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">eventually result in </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">termination</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">There is a charge </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">for this benefit </span></div></div></td></tr> <tr style="height:63pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit Guarantee </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium Suspension </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Allows for the suspension of required premiums </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">during the </span><a href="#bookmark_deathbenefitguaranteeperiod_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit Guarantee Period</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> until </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">your next </span><a href="#bookmark_policyanniversary_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Anniversary</span></a></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (with </span><a href="#bookmark_deathbenefitguarantee_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_deathbenefitguarantee_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Benefit Guarantee</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">May expire earlier </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">than your next </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_policyanniversary_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Policy Anniversary </span></a></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">under certain </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">circumstances (i.e., </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">“retest events”)</span></div></div></td></tr> <tr style="height:118pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Income Plans</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">In lieu of a lump sum, the </span><a href="#bookmark_deathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">surrender proceeds may be payable in a monthly </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(or less frequent) payments over a period of time</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:10.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be selected </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">by </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> or the </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Direct or </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Contingent </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Beneficiary</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Payments are </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">subject to fixed </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">rates and not </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">investment </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">performance of the </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Portfolios</span></a></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:523pt;"> <tr style="height:21pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:129.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:201pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:96pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Is Benefit Standard or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:96.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Brief Description of </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Limitations/Restrictions</span></div></div></td></tr> <tr style="height:81pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Exchange for a Fixed Benefit </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Allows you to exchange your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> for a life </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">insurance policy with benefits that do not vary with </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">the investment experience of the underlying </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolios</span></a></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Requires premium </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">payments be paid</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">There may be a </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">cost associated </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">with exchange</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Exchange may have </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">tax consequences</span></div></div></td></tr> <tr style="height:204pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Paid-up Insurance</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Under certain conditions allows the </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">change the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> to a policy free of minimum </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">premium payment obligations</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be selected </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">by </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Election is </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">irrevocable</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><a href="#bookmark_policydebt_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Policy Debt</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> and </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">charges continue</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">When in force as </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_paidup_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Paid-up</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> insurance, </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">no additional </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">premium is allowed </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">on the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, your </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_deathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Death Benefit </span></a></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">option will be </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">irrevocably </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">changed and you </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">may not add </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">optional benefits to </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div></div></td></tr> <tr style="height:68pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">On a monthly basis, automatically transfers 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:Arial;font-size:8.28pt;margin-left:0.0pt;">specific amount from the Government Money </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Market </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Division</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> into the other </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Divisions</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> you have </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">selected </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be selected </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">by </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">The </span><a href="#bookmark_sasaccount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">SAS Account</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> is </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">not included in </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">dollar cost </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">averaging</span></div></div></td></tr> <tr style="height:68pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolio Rebalancing</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Automatically rebalances the </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Divisions</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> you select </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(either monthly, quarterly, semi-annually 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:Arial;font-size:8.28pt;margin-left:0.0pt;">annually) to maintain your chosen allocations </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">among the </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Divisions</span></a></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be selected </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">by </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">The </span><a href="#bookmark_sasaccount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">SAS Account</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> is </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">not included in </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">portfolio </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">rebalancing </span></div></div></td></tr> <tr style="height:202pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Asset Allocation Models</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Allocation models are available that comprise 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:Arial;font-size:8.28pt;margin-left:0.0pt;">combination of </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Divisions</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> representing various asset </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">classes with various levels of risk tolerance. </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:10.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be selected </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">by </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Only one model is </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">available at a time</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Models are “static” </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">which means the </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">percentage </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">allocations among </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">the Divisions under </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">a Model will not </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">change. Therefore </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">the </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> must </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">make an </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">affirmative election </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">to change models</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Available models </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">may change in the </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">future</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:523pt;"> <tr style="height:21pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:129.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:201pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:96pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Is Benefit Standard or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:96.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Brief Description of </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Limitations/Restrictions</span></div></div></td></tr> <tr style="height:64pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Terminal Illness Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">If the insured is eligible for a terminal illness </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">benefit, the company will pay a one-time lump sum </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">to the owner. The amount paid is the requested </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">death benefit less interest, administration fees, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">loan adjustment and any required premium due.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:10.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">The terminal illness </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">benefit paid is less </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">than the requested </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">death benefit</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">There is a charge </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">for this benefit</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:14.72pt;">Optional Benefits Available for a Charge</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">There are currently three optional benefits available for purchase under the Policy:</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Waiver Benefit: Selected Monthly Premium Benefit;</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Additional Purchase Benefit; and</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Death Benefit Guarantee</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Selected Monthly Premium Benefit may be elected at any time while the Insured is between Attained Ages 0 and 59. The Additional Purchase Benefit may be elected while the Insured is between Attained Ages 0 and 40. If the Owner seeks to add an optional benefit after the Policy has been issued, the addition of the benefit will be subject to the Company’s then-current underwriting standards. These optional benefits are not available for all Attained Ages and underwriting classifications. The Death Benefit Guarantee must be elected at issue.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">If you select one or more of these optional benefits, a charge for the benefit will be added to the Monthly Policy Charge. (See “Periodic Charges Other than Fund Operating Expenses”). Any such charge will continue to be assessed as long as the benefit remains in force, except that charges for the Selected Monthly Premium Benefit will be waived when the Insured is totally disabled, subject to the terms and conditions of the benefit. Once the Policy has been issued, the optional benefits above (other than the Death Benefit Guarantee) may be added to the Policy, subject to the Company’s insurability requirements and other rules. If the written request to terminate the optional benefits (other than the Death Benefit Guarantee) is received in Good Order at our Home Office before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Monthly Processing Date, the request will be effective on that date. If the request is not received on a Monthly Processing Date, or is received on or after the close of trading on the NYSE, it will be effective on the next Monthly Processing Date. If your request is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your request to our then-current requirements. </span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Selected Monthly Premium Benefit</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Subject to applicable terms and conditions, the Selected Monthly Premium Benefit shall be the greater of (1) a premium amount selected by the Owner subject to Company limitations (e.g. the range of dollar amounts which at a minimum maintain the Policy or at a maximum reach the Company’s then-current Premium waiver limits), or (2) the premium amount required to cover the current Monthly Policy Charges (other than the Monthly Policy Debt Expense Charge) that come due during the total disability of the Insured, if the total disability is due to accident or sickness and it begins on or before the Policy Anniversary nearest the Insured’s 60</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">th</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday. If the total disability begins after the Policy Anniversary nearest the Insured’s 60</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">th</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday, the benefit provides for a credit of the greater of (1) premium amount selected by the Owner subject to Company limitations, or (2) the premium amount required to cover the current Monthly Policy Charges (other than the Monthly Policy Debt Expense Charge) that come due during the total disability of the Insured until the Policy Anniversary nearest the Insured’s 65</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">th</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">A total disability is one in which the Insured is unable to perform the substantial and material duties of an occupation. For the first 24 months of total disability, an occupation is the one that the Insured has at the time the Insured becomes disabled. After 24 months, an occupation also includes one for which the Insured is reasonably qualified by education, training or experience. To be covered, the total disability must begin while the benefit is in force; the total disability must result from an accident or sickness; and the total disability must last for at least six consecutive months. The Company will determine the existence of total disability based on the proof of claim submitted and other information gathered by the Company. This Optional Benefit is not available to be added to the Policy if, on the date the Optional Benefit is requested, the Insured is totally disabled, or, as noted above, the Attained Age or underwriting classification of the Insured is outside the range within which the Company offers these Optional Benefits, or should these Optional Benefits become unavailable in your state of issue.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Selected Monthly Premium Benefit terminates on the earliest of: (1) the Policy Anniversary that is nearest the 65</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">th</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday of the Insured unless the Insured became totally disabled prior to the Policy Anniversary that is nearest the 60</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">th</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday of the Insured; (2) when the Policy terminates; (3) when the Policy becomes Paid-Up insurance; or (4) when the Owner’s written request to terminate the benefit is received at our Home Office.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The amounts credited under the Selected Monthly Premium Benefits are treated as Premium Payments subject to the terms of the Policy, except that if the Policy has Death Benefit Option C, then the amounts credited under these benefits will not be included in the cumulative Premium Payments that are used in the calculation of the Death Benefit. The amounts credited under this benefit are subject to the same transaction fees as any other Premium Payment. (See “Charges and Deductions</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:2.5pt;">—Premium </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Expense Charges”).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Example: John Doe, age 57, lost his right hand in a car accident and became totally disabled from his job as a roof tiler. John’s policy has a Selected Monthly Premium Benefit with a selected monthly premium amount of $7,000. Afterward, on a particular monthly processing date, John’s monthly policy charges total $5,000. John’s Selected Monthly Premium Benefit will credit $7,000 into the policy on that monthly processing date.</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Additional Purchase Benefit</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Subject to the terms and conditions of the benefit, the Additional Purchase Benefit gives the Owner the right to purchase additional life insurance policies on the life of the Insured up to Attained Age 40 at specified dates without proof of insurability. This optional benefit terminates on the Policy Anniversary nearest the 40</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">th</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday of the Insured. It will terminate earlier: (1) when the Policy terminates; (2) when the Policy becomes Paid-Up insurance; (3) on the use of the final purchase right under the benefit; or (4) when the Owner’s written request to terminate the benefit is received at our Home Office.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Example: Jane Doe, age 28, is the owner and insured of her policy and decides she wants an additional $50,000 of life insurance. Jane purchases her policy without the Company requiring evidence of insurability.</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Death Benefit Guarantee</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Policy offers a Death Benefit Guarantee Period elected at issue. The Death Benefit Guarantee Period is optional and is elected on the application and established at issue by the applicant. A Death Benefit option change may result in changes to, or termination of, the Death Benefit Guarantee. There is a charge for the Death Benefit Guarantee (see “Fee and Expense Tables</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:2.5pt;">–Periodic Charges” and “Charges and Deductions–Monthly Policy Charges and Service </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Charges”). The Death Benefit Guarantee Period is shown on the Policy schedule pages. The Death Benefit Guarantee is available to protect the Policy from terminating during the Death Benefit Guarantee Period so long as the Death Benefit Guarantee Test is met. (See “Death Benefit Guarantee Test”). The Death Benefit Guarantee keeps the Policy in force when the Policy does not have enough Cash Surrender Value to pay the current Monthly Policy Charge and the Policy would otherwise terminate without value. (See “Termination and Reinstatement”). </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Please note that certain allocation or transfer restrictions may be affected by whether or not your Death Benefit Guarantee is active. (See “The Fixed Option-Restrictions on Amounts in the SAS Account and Government Money Market Division.”)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">When the Policy does not have sufficient Cash Surrender Value to pay the current Monthly Policy Charge and is being kept in force by the Death Benefit Guarantee, the Monthly Policy Charges will first reduce the Contract Fund Value, if any, to zero and will then accumulate as due and unpaid. Then, when you make a Premium Payment, we will deduct accumulated due and unpaid Monthly Policy Charges from Contract Fund Value. At the end of the Death Benefit Guarantee Period, if the Cash Surrender Value is less than the current Monthly Policy Charges, the Policy will enter the Policy Grace Period and an additional Premium Payment will be required to keep the Policy in force. (See “Termination and Reinstatement”).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">If the Policy is being kept in force by the Death Benefit Guarantee when the Insured dies, the gross amount of death proceeds will be the Guaranteed Minimum Death Benefit (“GMDB”) regardless of the Death Benefit option in effect. On the Date of Issue the GMDB equals the Specified Amount. After the Date of Issue, if there is a Policy change that changes the Specified Amount, including a Death Benefit option change, then the GMDB will equal the lessor of the current GMDB or the new Specified Amount.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">During the Death Benefit Guarantee Period, the Death Benefit Guarantee keeps the Policy from terminating, provided that the Death Benefit Guarantee Test is met. Unless the Death Benefit Guarantee was previously terminated, the Death Benefit Guarantee Test will be performed on each Monthly Processing Date during the Death Benefit Guarantee Period or until the Policy Anniversary nearest the Insured’s 121</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">st</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday, if sooner. If the Death Benefit Guarantee Test is not met on a Monthly Processing Date, the Death Benefit Guarantee will enter a Death Benefit Guarantee Grace Period. The Death Benefit Guarantee Test is met provided that:</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">on the current Monthly Processing Date, (a) is greater than or equal to (b) where:</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">is the cumulative Premium Payments minus the sum of the following:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the cumulative withdrawals; and</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">principal loan balance (See “Policy Loans”); and</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">is the cumulative Death Benefit Guarantee Premiums for the current Monthly Processing Date;</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">AND</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Death Benefit Guarantee Test has been met on all prior Monthly Processing Dates, and has not previously been terminated due to a loan or withdrawal causing the test to not be met.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Death Benefit Guarantee Test will be deemed to have been met on all prior Monthly Processing Dates during a Death Benefit Guarantee Grace Period if the required payment is paid prior to the expiration of the Death Benefit Guarantee Grace Period.</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Termination of Death Benefit Guarantee For Failure to Meet the Death Benefit Guarantee Test</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">If on a Monthly Processing Date the Death Benefit Guarantee Test is not met, you will have 61 days to make an additional payment to keep the Death Benefit Guarantee, provided the Death Benefit Guarantee Period is not already scheduled to expire during that 61-day period. The Death Benefit Guarantee Grace Period will begin on the date we send you written notice of the amount of payment you must make. The minimum payment that you must make will be the amount necessary to meet the Death Benefit Guarantee Test at the end of the Death Benefit Guarantee Grace Period.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Death Benefit Guarantee will continue during the Death Benefit Guarantee Grace Period, terminating at the end of such period if you do not make the required payment. If you do not make the required payment, you will not be able to reinstate the Death Benefit Guarantee.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">When the Death Benefit Guarantee terminates, the Policy will still remain in force provided the Cash Surrender Value on the Monthly Processing Date is greater than the Monthly Policy Charges. If, however, this requirement is not met, the Policy will enter the Policy Grace Period, during which time you may still avoid termination of your Policy provided you make sufficient payments to keep your Policy in force. (See “Termination and Reinstatement”). </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">If the Insured dies during the Death Benefit Guarantee Grace Period and the Death Benefit Guarantee is keeping the Policy in force, we will deduct from the Life Insurance Benefit the amount of the payment required to meet the Death Benefit Guarantee Test as of the last Monthly Processing Date preceding or on the date of death of the Insured.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Example: John Doe elected a ten-year Death Benefit Guarantee Period when he purchased his policy and has met his Death Benefit Guarantee Test every month. On a monthly processing date in the eighth year, John’s policy has the following characteristics:</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cash Surrender Value = $80</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Monthly Policy Charges = $100</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cumulative Premiums to date = $20,000</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cumulative Withdrawals to date = $1,000</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Principal Loan Balance = $0</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cumulative Monthly Death Benefit Guarantee Premiums = $18,000</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">John’s policy does not have enough cash surrender value to cover monthly policy charges and would normally enter the policy grace period and eventually terminate. However, John’s policy does not enter the policy grace period because his cumulative premium amount (less withdrawals and loans) ($20,000 - $1,000 = $19,000) is greater than his cumulative monthly Death Benefit Guarantee Premium amount ($18,000), which was an amount determined when John purchased the policy. Amounts needed to cover the outstanding charges are deducted from the value of John’s policy.</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Death Benefit Guarantee Premium Suspension</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Your Policy may be eligible for Death Benefit Guarantee Premium Suspension as indicated on your Policy schedule pages. Death Benefit Guarantee Premium Suspension is tested on the month prior to your next Policy Anniversary. It sets the Death Benefit Guarantee Monthly Premium to zero beginning on the next Monthly Processing Date until the next Policy Anniversary (or earlier if a “Retest Event” occurs), so long as the Death Benefit Guarantee is active (and not in a Death Benefit Grace Period) and the Contract Fund Value is greater than or equal to the amount shown on the Table of Amounts for Determining Death Benefit Guarantee Premium Suspension (“Premium Suspension Table”) for a particular Monthly Processing Date shown in your Policy. A Retest Event is defined as a withdrawal, a Policy loan, a failure to pay accrued loan interest when due, or a change by the Owner to the terms of the Policy that could result in an increase in the Company’s risk under the Policy. If a Retest Event occurs, the Death Benefit Guarantee Premium Suspension will continue so long as immediately after the Retest Event the Death Benefit Guarantee Test is met and the Contract Fund Value is greater than or equal to the amount shown in the Premium Suspension Table for the Monthly Processing Date adjusted proportionately for any reduction to the Guaranteed Minimum Death Benefit resulting from the Retest Event.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Example: Jane Doe elected a ten-year Death Benefit Guarantee Period when she purchased her policy and has met her Death Benefit Guarantee Test every month. On the monthly processing date prior to her eighth policy anniversary, Jane’s policy had the following characteristics:</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cumulative Premiums to date = $50,000</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cumulative Monthly Death Benefit Guarantee Premiums = $20,000</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Contract Fund Value = $90,000</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Death Benefit Guarantee Premium Suspension Amount = $85,000</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Because the Contract Fund Value of Jane’s policy is greater than the Death Benefit Guarantee premium suspension amount shown in her policy, her policy passes the Death Benefit Guarantee Premium Suspension test and her monthly Death Benefit Guarantee premium amount is reduced to $0, meaning she will continue to pass the monthly Death Benefit Guarantee test until the earlier of her next Policy Anniversary or a Retest Event.</span><span style="color:#000000;font-family:Arial;font-size:14.72pt;">Standard Benefits Available At No Charge</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Income Plans</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Upon the death of the Insured, if an Income Plan was not previously elected by you and in lieu of a lump sum or other payment agreed to by the Company, the beneficiary may elect to receive his or her share (or name and change beneficiaries </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:2.5pt;">–see “Other Policy Provisions – Naming a Beneficiary”) of the Life Insurance Benefit by either of the fixed Income </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Plan options noted below. Payments under a fixed Income Plan option are not affected by the investment performance of the Divisions after the date of surrender or the date of the Insured’s death. Nothing in this section shall be construed to otherwise contradict the order of payment of the Life Insurance Benefit as described in the Policy, designated by you or under applicable law.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Payments under fixed Income Plan options will be based on rates declared by the Company on the effective date of the Income Plan. The monthly income payment rates applicable to life Income Plans are based on interest rates applicable to amounts as of the date of death of the Insured according to the Policy as well as additional interest at a rate of 10% annually beginning 31 calendar days after the latest of (a) proof of the date of death is received by the Company, (b) the Company has all the information it needs to determine liability and the appropriate payees, or (c) any legal impediments (e.g., court guardian or executor actions) are properly satisfied. There is no additional charge for electing an Income Plan option. We may offer additional Income Plans.</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Single Life Income</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">We will make monthly payments for the selected certain period. The options for the certain period are zero years (i.e., no certain period), ten years, or twenty years. If the payee lives longer than the certain period, payments will continue for his or her life. In cases where a ten or twenty year certain period is elected, if the payee dies before the end of the certain period, the balance of the certain period payments will be paid to the Income Plan beneficiaries your beneficiary designates. Where a certain period of zero years was selected and the Income Plan beneficiary dies before the first scheduled payment, then no payments will be paid.</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Joint and Survivor Life Income</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">We will make monthly payments for a 10-year certain period, and thereafter for as long as either of the individuals upon whose lives income payments are based is living. If both payees die before the end of the certain period, the balance of the certain period payments will be paid to the Income Plan beneficiaries or to beneficiaries your beneficiary designates.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">In general, the monthly payments under a joint and survivor life Income Plan will be lower than, but may be payable for a longer period than, a single life Income Plan.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Owner may elect an Income Plan for each beneficiary’s share of the Life Insurance Benefit:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">while the Insured is living; or</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">during the first 60 days after the death of the Insured, if the Insured at the time of his or her death was not the Owner. An election made during that 60-day period may not be revoked.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">An Owner may make or change Income Plan elections by contacting the Home Office or an authorized Financial Representative may provide us with an election on behalf of a Policy Owner subject to our current procedures, rules and requirements.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Subject to the Owner’s rights, and upon providing any information that we may require, a direct or contingent beneficiary may elect an Income Plan for his or her share of the Life Insurance Benefit and/or name his or her own beneficiary for the Income Plan value, if any, remaining on his or her death. If no such Income Plan beneficiary is named, then the Income Plan beneficiary for the remaining value, if any, shall be the estate of the deceased direct or contingent beneficiary. Income Plan beneficiaries may continue to receive payments of the remaining value under the terms of the Income Plan in effect on the death of the direct or contingent beneficiary.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Withdrawal</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The remaining value, if any, in an Income Plan may be withdrawn in a lump sum upon the death of all individuals upon whose lives income payments are based. The withdrawal value will be the present value of any unpaid payments for the remaining certain period. The present value will be based on the rate of interest used to determine the amount of the payments.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Limitations</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">If a trust is named as a beneficiary and no qualified trustee claims the Life Insurance Benefit within one year after the claim is determined to be payable, payment of the Life Insurance Benefit will be paid as though the trust had not been named as a beneficiary. The Company is not responsible for actions taken by the trustee and will not be charged with notice of any change of trustee unless written evidence of the change is received at the Home Office.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Payment Frequency</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Upon written request, we will make payments once every 3, 6, or 12 months instead of each month.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Example: John Doe was the owner and insured of a policy and had elected a single life income plan for a ten-year certain period. Upon his death, in lieu of paying life insurance proceeds from the policy to his wife Jane, his beneficiary, in a lump sum, the Company made reduced amounts of monthly payments to her spread out over that time period while the remaining balance earned interest.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:11.04pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Exchange for a Fixed Benefit Policy</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Depending on your state of issue, we may allow you to exchange your Policy for a life insurance policy with benefits that do not vary with the investment experience of the Separate Account (“Fixed Benefit Policy”) at any time within the period allowed by your state provided premiums are paid. We reserve the right to require evidence of insurability. Depending on the timing and the individual circumstances surrounding the exchange, the Fixed Benefit Policy will be on the life of the same Insured and will have a Death Benefit at least as great as the initial Death Benefit of your Policy (assuming no decrease in Specified Amount prior to the exchange). The exchange may be subject to an equitable cash adjustment, which will recognize the investment performance of the Policy through the effective date of the exchange and may have tax consequences. An exchange will be effective when we receive a proper written request, as well as the Policy, and any amount due on the exchange.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">In addition, irrespective of your state of issue, you may exchange a Policy for a Fixed Benefit Policy if, at any time, a Fund changes its investment adviser, if there is a material change in the investment policies of a Portfolio that was approved by Owners, or the Portfolio is substituted for another portfolio (see “Other Policy Transactions-Substitution of Portfolio Shares and Other Changes”). There may be a cost associated with the exchange. You will be given notice of any such change and will have 60 days to make the exchange.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Example: John Doe lives in California and is the owner and insured of a variable universal life plus policy. Twelve months after the policy is issued, John decides he would rather own a policy that is not subject to the investment experience of the underlying portfolios in which the separate account divisions that support his policy invest, and would rather own a policy that earns a fixed rate of interest. Subject to the Company’s requirements, John has up to six more months to exchange his variable policy for a fixed policy without the Company requiring evidence of insurability.</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Paid-up Insurance</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Upon written request to the Company, you may change your Policy to Paid-up insurance. Your election to convert to Paid-up insurance is irrevocable. To convert your Policy, the Cash Surrender Value must be at least $1,000 and the Policy must have been in force for at least 18 months from the Policy Date. This feature is not available for policies issued in certain states where the Guideline Premium/Cash Value Corridor Test (see “Minimum Death benefit”) was elected at issue. See Appendix B for more information about whether your state of issue affects the availability of Paid-up insurance.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">If the request is received in Good Order at our Home Office before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Monthly Processing Date, the effective date of change to Paid-Up insurance will be that date. If the request is not received on a Monthly Processing Date, or on or after the close of trading on the NYSE on a Monthly Processing Date, the change will be effective on the next Monthly Processing Date. If your request is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your request to our then-current requirements.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">On the date the Policy is changed to Paid-up insurance, we deduct any applicable surrender charge and we transfer the Contract Fund Value to the Company’s General Account. Any outstanding Policy Debt continues. The Specified Amount will be changed to the Paid-up Specified Amount. The Paid-up Specified Amount is calculated as the Policy Value (after deducting the surrender charge and any withdrawals as of the date of the change) divided by the factor for the Paid-up insurance option shown on the Policy schedule pages. The Death Benefit option will be changed to Option A, and any Death Benefit Guarantee and any additional benefits will be terminated. The definition of life insurance will be changed to the Cash Value Accumulation Test (please see “Death Benefit </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:2.5pt;">– Minimum Death Benefit” for more information).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">After the Policy is changed to Paid-up insurance, the Policy Value will equal the Contract Fund Value plus any Policy Debt except that Policy Value (excluding loans) will not be less than the Paid-up Specified Amount multiplied by the factor for the Paid-up insurance shown on the Policy schedule pages (“Guaranteed Minimum Paid-Up Policy Value”).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">When the Policy is in force as Paid-up insurance, you will not be permitted to make additional Premium Payments, change Death Benefit options or the Specified Amount, or add optional benefits to the Policy. Subject to certain restrictions, you are permitted to make withdrawals and loan repayments and take out additional loans. Loans and withdrawals reduce the Contract Fund Value and may increase the chance the Policy will terminate without value. A withdrawal can be requested by the Owner (see “Surrender and Withdrawals of Policy Value”). Withdrawals may reduce the Paid-up Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Contract Fund Value will earn interest at an annual effective rate determined by the Company that may change no more frequently than once a year and at no time will the annual effective interest rate be less than the minimum Paid-up Minimum Guaranteed Annual Effective Interest Rate shown in the Policy schedule pages. On any day after the effective date, the Contract Fund Value is equal to the Contract Fund Value at the end of the previous day </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">plus </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">any of the following items applicable for the current day:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">interest;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">any loan repayment and accrued loan interest payment made; and</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">any Policy dividend directed to increase the Policy Value;</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">minus </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">any of the following items applicable to the Contract Fund Value for the current day:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">a Monthly Policy Charge;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Policy loans;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">withdrawals; and</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">service charges.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">When the Policy is in force as Paid-up insurance, the Monthly Policy Charge consists of the Monthly Policy Debt Expense Charge and the Monthly Cost of Insurance Charge. These charges may be reduced in order to ensure the Policy Value is not less than the Guaranteed Minimum Paid-up Policy Value.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Example: Jane Doe is the owner and insured of a variable universal life plus policy with an Additional Purchase Benefit rider and a Death Benefit Guarantee that has been in force for three years. Her policy has the following characteristics as of a monthly processing date: </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cash Surrender Value = $200,000</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Specified Amount = $500,000</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Factor for Paid-up Option in the current policy month (from the policy schedule pages) = 0.8</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Jane decides she would rather own a paid-up policy that will earn a fixed rate of interest and will not require additional premium payments. Because Jane’s policy has the required minimum amount of cash surrender value and has been in force long enough, she is able to convert her policy to a paid-up policy. Her new policy, however, will not have any benefits and the specified amount of her death benefit will be reduced to her policy value divided by the factor set forth in her policy at issue, in this case reducing her specified amount from $500,000 to $250,000 (i.e., $200,000 / 0.8 = $250,000).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:11.04pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Dollar-Cost Averaging</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">With Dollar-Cost Averaging (“DCA”), you can arrange to have a designated amount of money (either a fixed dollar amount or a fractional amount) automatically transferred monthly in allowable amounts from the Government Money Market Division into other Division(s) you have chosen. Transfers will end either when the amount in the Government Money Market Division is depleted or when you submit a request to our Home Office to stop such transfers, whichever is earlier. You may request changes in writing (including via facsimile or, under limited circumstances, by email) or by calling (866) 464-3800. Where allowable by applicable law, a Policy Owner’s Financial Representative may provide us with rebalancing requests on behalf of a Policy Owner subject to our current procedures, rules and requirements. You may also submit changes via the Internet at </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;text-decoration:underline;">www.northwesternmutual.com</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> (“Electronic Instructions”) in accordance with our then-current Internet procedures provided you have properly authorized us to accept Electronic Instructions in advance of your request. There is no charge for DCA. We reserve the right to modify or terminate the DCA Plan at any time. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;font-style:italic;">DCA does not ensure a profit or protect against loss in a declining market. Carefully consider your willingness to continue Premium Payments during periods of declining markets. You should consult your Financial Representative before deciding whether to elect DCA</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">.</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Portfolio Rebalancing</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Over time, portfolio rebalancing helps you maintain your allocations among the Divisions. If you elect portfolio rebalancing, amounts invested in the Divisions are periodically rebalanced in accordance with our procedures, to return your allocation to the percentages you specify. Portfolio rebalancing may reduce amounts allocated to better performing Divisions. </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Please note that the SAS Account is not included in portfolio rebalancing.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">You may choose to rebalance monthly, quarterly, semi-annually or annually. We do not charge a transfer fee for portfolio rebalancing. Subject to any limitations imposed by our short-term and excessive trading policies and procedures, you may elect portfolio rebalancing and modify or terminate your election at any time by submitting a request to our Home Office. You may request changes in writing (including via facsimile or, under limited circumstances, by email) or by calling (866) 464-3800. Where allowable by applicable law, a Policy Owner’s Financial Representative may provide us with rebalancing requests on behalf of a Policy Owner subject to our current procedures, rules and requirements. You may also submit changes via the Internet at </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;text-decoration:underline;">www.northwesternmutual.com</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> (“Electronic Instructions”) in accordance with our then-current Internet procedures provided you have properly authorized us to accept Electronic Instructions in advance of your request. If you make transfers through our website, your portfolio rebalancing will end and you will need to make a new election if you want portfolio rebalancing to continue. We may modify, limit, suspend, or discontinue this feature at any time.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.580pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Asset Allocation Models</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Company currently makes available allocation models at no extra charge for amounts invested in the Divisions. An Owner can select only one model at a time. Each of the four models currently available (Moderately Conservative, Balanced, Aggressive, Very Aggressive) is comprised of a combination of Divisions that hold Portfolios representing various asset classes with various levels of risk tolerance. Generally, the four models can be characterized as follows:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.92pt;"> </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:523pt;"> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:261.5pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Moderately Conservative</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:261.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">This combination of Divisions has Portfolios that generally invest in </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">fixed income securities and a mix of equity securities with a majority </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">emphasis on fixed income investments in order to preserve </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">principal, provide liquidity and income and to seek modest growth.</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:261.5pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Balanced</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:261.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">This combination of Divisions has Portfolios that generally invest in a </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">mix of fixed income and equity securities in order to preserve </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">principal and pursue sustained long-term growth without the </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">volatility of high- risk investments.</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:261.5pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Aggressive</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:261.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">This combination of Divisions has Portfolios that generally invest in a </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">mix of equity securities and some fixed income securities in order to </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">primarily pursue long-term growth while willing to accept the </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">volatility associated with high-risk investments.</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:261.5pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Very Aggressive</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:261.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">This combination of Divisions has Portfolios that invest in almost </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">entirely in a variety of equity securities in order to achieve higher </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">potential growth while assuming the risks and higher volatility </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">associated with these securities.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9.20pt;">An Owner may only select a model which is currently available. Any investment allocations outside of an Owner’s original model must be made by the Owner, and will not be made by the Company. The Company does not provide investment advice regarding whether a model should be revised or whether it remains appropriate to invest in accordance with any particular model due to performance, a change in an Owner’s investment needs or for other reasons. If an Owner wishes to remove Portfolios from an Owner’s model and/or change allocations to a current model, the Owner may do so by notifying us in writing, contacting their Financial Representative or by calling (866) 464-3800. There will be no automatic rebalancing to these models unless the Owner chooses the automatic rebalancing option. </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Please note that investment in a model does not eliminate the risk of loss and it does not protect against losses in a declining market. An Owner should contact their Financial Representative for more information about available allocation models (including the </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;text-decoration:underline;">specific</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;"> asset mixes of available models) and whether investment in a model is appropriate for them. Models may not be available for Policies with allocated amounts to the SAS Account.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Available models may change from time to time, but you must make an affirmative election to change models. The Company reserves the right to modify, suspend, or terminate any asset allocation model at any time without affecting an Owner’s current allocation, except in limited circumstances involving a Substitution (see “Substitution of Portfolio Shares and Other Changes” below for more information regarding the substitution of a Portfolio) or the elimination of a Portfolio as an investment option under the Policy pursuant to other applicable SEC regulatory guidance. In that case, allocations in a Portfolio within a model (Original Portfolio) will be transferred to a different Portfolio if the Original Portfolio becomes no longer available (e.g., a substitution, merger, or liquidation), in which case the Company will send written notice in advance of such event. If an Owner is invested in a model that is no longer offered and initiates a change outside of the original model allocations, the Owner will not be able to select the original model (see “Transfers” above for more information about how to change portfolio allocations).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Please note that investment according to an allocation model may result in an increase in assets allocated to Portfolios managed by an investment adviser affiliated with the Company, and therefore a corresponding increase in Portfolio management fees collected by such adviser and may present a conflict of interest.</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Terminal Illness Benefit</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">This Benefit pays a portion of the policy’s death benefit to the Owner when the Company receives proof that is satisfactory to the Company of the Insured’s Terminal Illness. If an accelerated death benefit payment is made under this Benefit, the Death Benefit, Specified Amount, Contract Fund Value and Loan Value under this Policy, if applicable, will be reduced. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">An accelerated death benefit payment will not be allowed if the Owner is required to request the payment by any third party (including any creditor, governmental agency, trustee in bankruptcy, or any other person) or as the result of a court order. This Benefit may be taxable. Before requesting payment under this Benefit, please consult your legal or tax professionals.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">General Terms</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">The Terminal Illness Death Benefit Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Terminal Illness Death Benefit Amount for this Benefit will be calculated by the Company and is equal to the Death Benefit at the time this Benefit is requested and does not include dividends payable upon death, if any.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">The Eligible Death Benefit Amount</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">. The maximum amount of Death Benefit that can be accelerated at the time this Benefit is requested and is equal to 75% of the Terminal Illness Death Benefit Amount but shall not exceed $1 million.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">The Requested Death Benefit Amount.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> The portion of the Terminal Illness Death Benefit Amount that the Owner requests to be accelerated. This amount must be at least the minimum amount set by the Company which will not exceed $25,000 but not greater than the Eligible Death Benefit Amount.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Administrative Fee. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">A charge up to $250 that the Company may impose to pay for administrative expenses.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Declared Interest Rate</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">. The greater of (a) the effective annual yield on 90-day Treasury Bills as of the date of application for an accelerated payment of (b) the rate of the Moody’s Corporate Bond Yield Averages </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:2.5pt;">– Monthly Average Corporates published by </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Moody’s Investor Services, Inc. or successor thereto, for the calendar month ending two months before the date of request for this Benefit.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Loan Adjustment</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">. An amount equal to the Requested Death Benefit Amount divided by the Terminal Illness Death Benefit Amount multiplied by any Policy Debt.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">The Accelerated Payment Amount</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">. An amount equal to:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Requested Death Benefit Amount; less</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">twelve months of interest on the Requested Death Benefit Amount at the Declared Interest Rate; less</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Administrative Fee; less</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Loan Adjustment; less</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">any required minimum premium due from entering either the Policy Grace Period or the Death Benefit Guarantee Grace Period if the Policy is currently in force under the Death Benefit Guarantee.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Licensed Physician</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">. A doctor of medicine or osteopathy authorized to practice medicine and surgery by the state in which he or she performs such functions or action in the United States or Canada. The Licensed Physician cannot be the Insured, Owner, or a spouse, mother-in-law, father-in-law, stepparent, or the natural or adoptive brother, sister, parent, grandparent, or child of the Owner or Insured.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Terminal Illness</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">. An illness certified by a Licensed Physician that is reasonably expected to result in death six months or less from the date of the certification by the Licensed Physician.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Terminal Illness Benefit</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Company will pay an Accelerated Payment Amount to the Owner as an immediate one-time lump sum if:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Insured has a Terminal Illness;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Conditions of Payment are satisfied; and</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the claim requirements are satisfied.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">There is no Monthly Policy Charge associated with this Benefit. The amount payable under this Benefit shall not be less than the amount available upon surrender multiplied by the percentage of the death benefit that is being accelerated.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Any benefits paid under this Benefit, including those paid after the Insured’s death but before the Company received notice of that death, will reduce the Death Benefit that is paid on the death of the Insured as described below. This Benefit will not be paid if the Company receives notification of the Insured’s death before the Accelerated Payment Amount is sent to the Owner.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Effect of the Accelerated Payment Amount on Policy Values</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">After the Company makes a payment under this Benefit, the Policy remains in force with the following adjustments to the Policy values:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Death Benefit Option is changed to Option A if Option A is not in effect at the time of payment;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Death Benefit will be reduced by the Requested Death Benefit Amount;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Specified Amount will be reduced proportionately to the reduction in Death Benefit;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Eligible Death Benefit Amount will be reduced to zero;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Contract Fund Value will be reduced proportionately to the reduction in Death Benefit (reductions from Contract Fund Value are proportionate among the Divisions and/or the NM Strength and Stability Account in proportion to the amounts in the Divisions and/or the NM Strength and Stability Account);</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">any Policy Debt will be reduced by the Loan Adjustment; </span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">if applicable, the Selected Monthly Premium under a Waiver Benefit will be reduced proportionately to the reduction in Death Benefit; and</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">if a Death Benefit Guarantee is active, the Death Benefit Guarantee will be reduced to the new Specified Amount.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Upon payment of the Accelerated Payment Amount, the Company will furnish updated specification pages to reflect the new Policy values, and the Company’s liability under this Policy for the Requested Death Benefit Amount ends.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Following payment of the Accelerated Payment Amount, Death Benefit Option changes are not permitted.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Conditions of Payment</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Company must receive the Owner’s voluntary written request for payment under this Benefit. The Company will pay the Accelerated Payment Amount if all of the following conditions are met: </span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Policy is not collaterally assigned;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Policy was not issued by dividing a policy into two or more policies;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Policy is not the result of a partial term conversion; </span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the claim has been approved;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Policy is in force; and </span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">if applicable, the Company has received written approval to make a payment under this Benefit from any irrevocable beneficiary.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Claims for Terminal Illness Benefit</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Before the Accelerated Payment Amount is paid under this Benefit, the Company will require the Owner to provide proof that is satisfactory to the Company of the Insured’s Terminal Illness. This proof must include the certification of Licensed Physician describing the Insured’s health condition and stating that the condition is reasonably expected to result in death of the Insured in six months or less. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Company reserves the right to obtain a second opinion as to the Insured’s heath at its own expense. In the event of conflicting opinions between the Insured’s Licensed Physician and the Licensed Physician of the Company’s choice, eligibility for this Benefit will be determined by a third opinion provided by a Licensed Physician that is mutually acceptable to the Company and the Insured. Such third opinion will be at the Company’s expense. </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Request for Claim</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">. To make a claim for this Benefit, the Company must receive a written request from the Owner. The request should:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">include the Insured’s name, Policy number, and Requested Death Benefit Amount; and</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">be sent to the Company or be given to an authorized agent of the Company.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Claim Forms. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Company will furnish claims forms within 15 days after receiving notice of claim. These forms must be completed by the Owner, the Insured (or the Insured’s representative if the Insured is incapable), and the Insured’s Licensed Physician. If these forms are not furnished by the Company within the 15-day period, this initial written proof of the Insured’s Terminal Illness may be made by providing a written statement of the Terminal Illness without the use of the Company forms. </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Payment. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Any payments made under this Benefit will be paid to the Owner or Owner’s Estate while the Insured is living, unless the Benefit has been otherwise assigned or designated by the Owner. Claims under this Benefit must be requested voluntarily by the Owner. This Benefit provides for the payment of a portion of the proceeds of this Policy normally payable at the death of the Insured. This Benefit is not meant to cause the Owner to involuntarily obtain proceeds that ultimately would be payable to the Beneficiary. </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Authorizations. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Company will furnish the Insured (or his or her representative if the Insured is incapable) with authorizations to obtain and disclose medical records. These authorizations must be signed by the Insured without alterations and returned to the Company.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Termination</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">This Benefit will terminate on the earliest of the following dates:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the date on which a payment has been paid under this Benefit;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the date on which the Home Office receives the Owner’s written request to terminate this Benefit; or</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the date of termination of the Policy.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Following is a hypothetical example of how the Terminal Illness Benefit works. The example is provided for illustrative purposes only and is in no way representative of actual policy values.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;text-decoration:underline;">Example:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.92pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523pt;"> <tr style="height:12.5pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Middle;width:523pt;"> <div style="line-height:7.65pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Policy Values Before Terminal Illness Payment</span></div></div></td></tr> <tr style="height:30.5pt;"> <td style="padding-bottom:1.5pt;padding-top:3.5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit = $200,000</span></div> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Specified Amount = $200,000</span></div> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Contract Fund Value = $50,000</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523pt;"> <tr style="height:14pt;"> <td colspan="2" style="padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:523pt;"> <div style="line-height:7.65pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Terminal Illness Benefit Payment Calculation</span></div></div></td></tr> <tr style="height:16pt;"> <td colspan="2" style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Eligible Insurance Amount = 0.75 * $200,000 = $150,000**</span></div></div></td></tr> <tr style="height:16pt;"> <td colspan="2" style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">**Eligible Insurance Amount cannot exceed $1,000,000 as defined in the Policy</span></div></div></td></tr> <tr style="height:16pt;"> <td colspan="2" style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Requested Death Benefit Amount = $150,000</span></div></div></td></tr> <tr style="height:16pt;"> <td colspan="2" style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Debt = $10,000</span></div></div></td></tr> <tr style="height:16pt;"> <td colspan="2" style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Interest Rate = 0.05 (for illustration purposes)</span></div></div></td></tr> <tr style="height:16pt;"> <td colspan="2" style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Loan Adjustment = $150,000 / $200,000 * $10,000 = $7,500</span></div></div></td></tr> <tr style="height:16pt;"> <td colspan="2" style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">The Accelerated Payment Amount is equal to:</span></div></div></td></tr> <tr style="height:16pt;"> <td style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:187pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Requested Death Benefit</span></div></div></td> <td style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:336pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$150,000</span></div></div></td></tr> <tr style="height:16pt;"> <td style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:187pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Twelve months of interest</span></div></div></td> <td style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:336pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-$150,000 * (1 - (1.05) ^ -1) = $7,142.86</span></div></div></td></tr> <tr style="height:16pt;"> <td style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:187pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Administrative Fee</span></div></div></td> <td style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:336pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-$250</span></div></div></td></tr> <tr style="height:16pt;"> <td style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:187pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Loan Adjustment</span></div></div></td> <td style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:336pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-$7,500</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:1.5pt;padding-top:5pt;vertical-align:Top;width:187pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Accelerated Payment Amount</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:5pt;vertical-align:Top;width:336pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$135,107.14</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523pt;"> <tr style="height:12.5pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Middle;width:523pt;"> <div style="line-height:7.65pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Policy Values After Terminal Illness Payment</span></div></div></td></tr> <tr style="height:40.5pt;"> <td style="padding-bottom:1.5pt;padding-top:3.5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit = $200,000 - $150,000 = $50,000</span></div> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Specified Amount = $200,000 – ($200,000 x 75%) = $50,000</span></div> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Contract Fund Value = $50,000 – ($50,000 x 75%) = $12,500</span></div> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Debt = $10,000 - $7,500 = $2,500</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:523pt;"> <tr style="height:21pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:129.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:201pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:96pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Is Benefit Standard or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:96.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Brief Description of </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Limitations/Restrictions</span></div></div></td></tr> <tr style="height:189pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Waiver Benefit: Selected </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Premium Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">For an </span><a href="#bookmark_insured_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> who has become totally disabled the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">company will credit minimum premium payments </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">equal to or greater than monthly charges without </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> lapsing</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Not available for all </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">ages or </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">underwriting </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">classifications</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">The insured must </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">become totally </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">disabled while this </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">benefit is in force, </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">the disability must </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">result from an </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">accident or </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">sickness, and the </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">disability must last </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">for at least six </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">months</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">There is a charge </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">for this benefit</span></div></div></td></tr> <tr style="height:66pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Additional Purchase Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Allows the </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> to purchase additional life </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">insurance policies on the life of the </span><a href="#bookmark_insured_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> without </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">proof of insurability</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Not available for all </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">ages or </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">underwriting </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">classifications</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">There is a charge </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">for this benefit</span></div></div></td></tr> <tr style="height:136pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit Guarantee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Allows you to select a </span><a href="#bookmark_deathbenefitguaranteeperiod_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit Guarantee </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_deathbenefitguaranteeperiod_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Period</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> during which the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> is guaranteed not to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">terminate due to insufficient value in your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be elected at </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">issue</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Monthly charges </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">will reduce the </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">value in your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">during the </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">guarantee period, </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">which may </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">eventually result in </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">termination</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">There is a charge </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">for this benefit </span></div></div></td></tr> <tr style="height:63pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit Guarantee </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium Suspension </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Allows for the suspension of required premiums </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">during the </span><a href="#bookmark_deathbenefitguaranteeperiod_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit Guarantee Period</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> until </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">your next </span><a href="#bookmark_policyanniversary_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Anniversary</span></a></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> (with </span><a href="#bookmark_deathbenefitguarantee_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death </span></a></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_deathbenefitguarantee_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Benefit Guarantee</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">May expire earlier </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">than your next </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_policyanniversary_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Policy Anniversary </span></a></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">under certain </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">circumstances (i.e., </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">“retest events”)</span></div></div></td></tr> <tr style="height:118pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Income Plans</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">In lieu of a lump sum, the </span><a href="#bookmark_deathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">surrender proceeds may be payable in a monthly </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(or less frequent) payments over a period of time</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:10.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be selected </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">by </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> or the </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Direct or </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Contingent </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Beneficiary</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Payments are </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">subject to fixed </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">rates and not </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">investment </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">performance of the </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Portfolios</span></a></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:523pt;"> <tr style="height:21pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:129.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:201pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:96pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Is Benefit Standard or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:96.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Brief Description of </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Limitations/Restrictions</span></div></div></td></tr> <tr style="height:81pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Exchange for a Fixed Benefit </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Allows you to exchange your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> for a life </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">insurance policy with benefits that do not vary with </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">the investment experience of the underlying </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolios</span></a></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Requires premium </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">payments be paid</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">There may be a </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">cost associated </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">with exchange</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Exchange may have </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">tax consequences</span></div></div></td></tr> <tr style="height:204pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Paid-up Insurance</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Under certain conditions allows the </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">change the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> to a policy free of minimum </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">premium payment obligations</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be selected </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">by </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Election is </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">irrevocable</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><a href="#bookmark_policydebt_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Policy Debt</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> and </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">charges continue</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">When in force as </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_paidup_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Paid-up</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> insurance, </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">no additional </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">premium is allowed </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">on the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, your </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><a href="#bookmark_deathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Death Benefit </span></a></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">option will be </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">irrevocably </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">changed and you </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">may not add </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">optional benefits to </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div></div></td></tr> <tr style="height:68pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">On a monthly basis, automatically transfers 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:Arial;font-size:8.28pt;margin-left:0.0pt;">specific amount from the Government Money </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Market </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Division</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> into the other </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Divisions</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> you have </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">selected </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be selected </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">by </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">The </span><a href="#bookmark_sasaccount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">SAS Account</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> is </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">not included in </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">dollar cost </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">averaging</span></div></div></td></tr> <tr style="height:68pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolio Rebalancing</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Automatically rebalances the </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Divisions</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> you select </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(either monthly, quarterly, semi-annually 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:Arial;font-size:8.28pt;margin-left:0.0pt;">annually) to maintain your chosen allocations </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">among the </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Divisions</span></a></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:10.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:11.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be selected </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">by </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">The </span><a href="#bookmark_sasaccount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">SAS Account</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> is </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">not included in </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">portfolio </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">rebalancing </span></div></div></td></tr> <tr style="height:202pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Asset Allocation Models</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Allocation models are available that comprise 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:Arial;font-size:8.28pt;margin-left:0.0pt;">combination of </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Divisions</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> representing various asset </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">classes with various levels of risk tolerance. </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:10.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be selected </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">by </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Only one model is </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">available at a time</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Models are “static” </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">which means the </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">percentage </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">allocations among </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">the Divisions under </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">a Model will not </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">change. Therefore </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">the </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> must </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">make an </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">affirmative election </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">to change models</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Available models </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">may change in the </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">future</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:523pt;"> <tr style="height:21pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:129.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Name of Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:201pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:96pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Is Benefit Standard or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:96.5pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Brief Description of </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Limitations/Restrictions</span></div></div></td></tr> <tr style="height:64pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Terminal Illness Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:201pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">If the insured is eligible for a terminal illness </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">benefit, the company will pay a one-time lump sum </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">to the owner. The amount paid is the requested </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">death benefit less interest, administration fees, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">loan adjustment and any required premium due.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:96pt;"> <div style="line-height:9.20pt;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:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:96.5pt;"> <div style="line-height:10.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">The terminal illness </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">benefit paid is less </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">than the requested </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">death benefit</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">There is a charge </span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">for this benefit</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Waiver Benefit: Selected </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Monthly Premium Benefit</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">For an </span><a href="#bookmark_insured_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> who has become totally disabled the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">company will credit minimum premium payments </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">equal to or greater than monthly charges without </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> lapsing</span> true <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Not available for all </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">ages or </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">underwriting </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">classifications</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">The insured must </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">become totally </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">disabled while this </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">benefit is in force, </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">the disability must </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">result from an </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">accident or </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">sickness, and the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">disability must last </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">for at least six </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">months</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">There is a charge </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">for this benefit</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Additional Purchase Benefit</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Allows the </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> to purchase additional life </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">insurance policies on the life of the </span><a href="#bookmark_insured_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> without </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">proof of insurability</span> true <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Not available for all </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">ages or </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">underwriting </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">classifications</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">There is a charge </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">for this benefit</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit Guarantee</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Allows you to select a </span><a href="#bookmark_deathbenefitguaranteeperiod_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit Guarantee </span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Period</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> during which the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> is guaranteed not to </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">terminate due to insufficient value in your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a> true <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be elected at </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">issue</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Monthly charges </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">will reduce the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">value in your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">during the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">guarantee period, </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">which may </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">eventually result in </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">termination</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">There is a charge </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">for this benefit </span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit Guarantee </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium Suspension </span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Allows for the suspension of required premiums </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">during the </span><a href="#bookmark_deathbenefitguaranteeperiod_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit Guarantee Period</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> until </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">your next </span><a href="#bookmark_policyanniversary_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Anniversary</span></a> true <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">May expire earlier </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">than your next </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Policy Anniversary </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">under certain </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">circumstances (i.e., </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">“retest events”)</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Income Plans</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">In lieu of a lump sum, the </span><a href="#bookmark_deathbenefit_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">surrender proceeds may be payable in a monthly </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(or less frequent) payments over a period of time</span> true <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be selected </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">by </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> or the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Direct or </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Contingent </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Beneficiary</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Payments are </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">subject to fixed </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">rates and not </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">investment </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">performance of the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Portfolios</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Exchange for a Fixed Benefit </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Allows you to exchange your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> for a life </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">insurance policy with benefits that do not vary with </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">the investment experience of the underlying </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolios</span> true <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Requires premium </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">payments be paid</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">There may be a </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">cost associated </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">with exchange</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Exchange may have </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">tax consequences</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Paid-up Insurance</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Under certain conditions allows the </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> to </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">change the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> to a policy free of minimum </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">premium payment obligations</span> true <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be selected </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">by </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Election is </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">irrevocable</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><a href="#bookmark_policydebt_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Policy Debt</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">charges continue</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">When in force as </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Paid-up</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> insurance, </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">no additional </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">premium is allowed </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">on the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, your </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">Death Benefit </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">option will be </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">irrevocably </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">changed and you </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">may not add </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">optional benefits to </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">the </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Dollar Cost Averaging </span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">On a monthly basis, automatically transfers a </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">specific amount from the Government Money </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Market </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Division</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> into the other </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Divisions</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> you have </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">selected </span> true <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be selected </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">by </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">The </span><a href="#bookmark_sasaccount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">SAS Account</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> is </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">not included in </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">dollar cost </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">averaging</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolio Rebalancing</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Automatically rebalances the </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Divisions</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> you select </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(either monthly, quarterly, semi-annually or </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">annually) to maintain your chosen allocations </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">among the </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Divisions</span></a> true <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be selected </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">by </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">The </span><a href="#bookmark_sasaccount_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">SAS Account</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> is </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">not included in </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">portfolio </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">rebalancing </span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Asset Allocation Models</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Allocation models are available that comprise a </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">combination of </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Divisions</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> representing various asset </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">classes with various levels of risk tolerance. </span> true <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Must be selected </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">by </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Only one model is </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">available at a time</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Models are “static” </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">which means the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">percentage </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">allocations among </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">the Divisions under </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">a Model will not </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">change. Therefore </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">the </span><a href="#bookmark_owneryouyour_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Owner</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> must </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">make an </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">affirmative election </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">to change models</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">Available models </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">may change in the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">future</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Terminal Illness Benefit</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">If the insured is eligible for a terminal illness </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">benefit, the company will pay a one-time lump sum </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">to the owner. The amount paid is the requested </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">death benefit less interest, administration fees, </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">loan adjustment and any required premium due.</span> true <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">The terminal illness </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">benefit paid is less </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">than the requested </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">death benefit</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:5.61pt;">There is a charge </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:12.0pt;">for this benefit</span> <span style="color:#000000;font-family:Arial;font-size:14.72pt;">Optional Benefits Available for a Charge</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">There are currently three optional benefits available for purchase under the Policy:</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Waiver Benefit: Selected Monthly Premium Benefit;</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Additional Purchase Benefit; and</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Death Benefit Guarantee</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Selected Monthly Premium Benefit may be elected at any time while the Insured is between Attained Ages 0 and 59. The Additional Purchase Benefit may be elected while the Insured is between Attained Ages 0 and 40. If the Owner seeks to add an optional benefit after the Policy has been issued, the addition of the benefit will be subject to the Company’s then-current underwriting standards. These optional benefits are not available for all Attained Ages and underwriting classifications. The Death Benefit Guarantee must be elected at issue.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">If you select one or more of these optional benefits, a charge for the benefit will be added to the Monthly Policy Charge. (See “Periodic Charges Other than Fund Operating Expenses”). Any such charge will continue to be assessed as long as the benefit remains in force, except that charges for the Selected Monthly Premium Benefit will be waived when the Insured is totally disabled, subject to the terms and conditions of the benefit. Once the Policy has been issued, the optional benefits above (other than the Death Benefit Guarantee) may be added to the Policy, subject to the Company’s insurability requirements and other rules. If the written request to terminate the optional benefits (other than the Death Benefit Guarantee) is received in Good Order at our Home Office before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Monthly Processing Date, the request will be effective on that date. If the request is not received on a Monthly Processing Date, or is received on or after the close of trading on the NYSE, it will be effective on the next Monthly Processing Date. If your request is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your request to our then-current requirements. </span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Selected Monthly Premium Benefit</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Subject to applicable terms and conditions, the Selected Monthly Premium Benefit shall be the greater of (1) a premium amount selected by the Owner subject to Company limitations (e.g. the range of dollar amounts which at a minimum maintain the Policy or at a maximum reach the Company’s then-current Premium waiver limits), or (2) the premium amount required to cover the current Monthly Policy Charges (other than the Monthly Policy Debt Expense Charge) that come due during the total disability of the Insured, if the total disability is due to accident or sickness and it begins on or before the Policy Anniversary nearest the Insured’s 60</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">th</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday. If the total disability begins after the Policy Anniversary nearest the Insured’s 60</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">th</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday, the benefit provides for a credit of the greater of (1) premium amount selected by the Owner subject to Company limitations, or (2) the premium amount required to cover the current Monthly Policy Charges (other than the Monthly Policy Debt Expense Charge) that come due during the total disability of the Insured until the Policy Anniversary nearest the Insured’s 65</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">th</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">A total disability is one in which the Insured is unable to perform the substantial and material duties of an occupation. For the first 24 months of total disability, an occupation is the one that the Insured has at the time the Insured becomes disabled. After 24 months, an occupation also includes one for which the Insured is reasonably qualified by education, training or experience. To be covered, the total disability must begin while the benefit is in force; the total disability must result from an accident or sickness; and the total disability must last for at least six consecutive months. The Company will determine the existence of total disability based on the proof of claim submitted and other information gathered by the Company. This Optional Benefit is not available to be added to the Policy if, on the date the Optional Benefit is requested, the Insured is totally disabled, or, as noted above, the Attained Age or underwriting classification of the Insured is outside the range within which the Company offers these Optional Benefits, or should these Optional Benefits become unavailable in your state of issue.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Selected Monthly Premium Benefit terminates on the earliest of: (1) the Policy Anniversary that is nearest the 65</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">th</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday of the Insured unless the Insured became totally disabled prior to the Policy Anniversary that is nearest the 60</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">th</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday of the Insured; (2) when the Policy terminates; (3) when the Policy becomes Paid-Up insurance; or (4) when the Owner’s written request to terminate the benefit is received at our Home Office.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The amounts credited under the Selected Monthly Premium Benefits are treated as Premium Payments subject to the terms of the Policy, except that if the Policy has Death Benefit Option C, then the amounts credited under these benefits will not be included in the cumulative Premium Payments that are used in the calculation of the Death Benefit. The amounts credited under this benefit are subject to the same transaction fees as any other Premium Payment. (See “Charges and Deductions</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:2.5pt;">—Premium </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Expense Charges”).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Example: John Doe, age 57, lost his right hand in a car accident and became totally disabled from his job as a roof tiler. John’s policy has a Selected Monthly Premium Benefit with a selected monthly premium amount of $7,000. Afterward, on a particular monthly processing date, John’s monthly policy charges total $5,000. John’s Selected Monthly Premium Benefit will credit $7,000 into the policy on that monthly processing date.</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Additional Purchase Benefit</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Subject to the terms and conditions of the benefit, the Additional Purchase Benefit gives the Owner the right to purchase additional life insurance policies on the life of the Insured up to Attained Age 40 at specified dates without proof of insurability. This optional benefit terminates on the Policy Anniversary nearest the 40</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">th</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday of the Insured. It will terminate earlier: (1) when the Policy terminates; (2) when the Policy becomes Paid-Up insurance; (3) on the use of the final purchase right under the benefit; or (4) when the Owner’s written request to terminate the benefit is received at our Home Office.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Example: Jane Doe, age 28, is the owner and insured of her policy and decides she wants an additional $50,000 of life insurance. Jane purchases her policy without the Company requiring evidence of insurability.</span> <span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Death Benefit Guarantee</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Policy offers a Death Benefit Guarantee Period elected at issue. The Death Benefit Guarantee Period is optional and is elected on the application and established at issue by the applicant. A Death Benefit option change may result in changes to, or termination of, the Death Benefit Guarantee. There is a charge for the Death Benefit Guarantee (see “Fee and Expense Tables</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:2.5pt;">–Periodic Charges” and “Charges and Deductions–Monthly Policy Charges and Service </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Charges”). The Death Benefit Guarantee Period is shown on the Policy schedule pages. The Death Benefit Guarantee is available to protect the Policy from terminating during the Death Benefit Guarantee Period so long as the Death Benefit Guarantee Test is met. (See “Death Benefit Guarantee Test”). The Death Benefit Guarantee keeps the Policy in force when the Policy does not have enough Cash Surrender Value to pay the current Monthly Policy Charge and the Policy would otherwise terminate without value. (See “Termination and Reinstatement”). </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Please note that certain allocation or transfer restrictions may be affected by whether or not your Death Benefit Guarantee is active. (See “The Fixed Option-Restrictions on Amounts in the SAS Account and Government Money Market Division.”)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">When the Policy does not have sufficient Cash Surrender Value to pay the current Monthly Policy Charge and is being kept in force by the Death Benefit Guarantee, the Monthly Policy Charges will first reduce the Contract Fund Value, if any, to zero and will then accumulate as due and unpaid. Then, when you make a Premium Payment, we will deduct accumulated due and unpaid Monthly Policy Charges from Contract Fund Value. At the end of the Death Benefit Guarantee Period, if the Cash Surrender Value is less than the current Monthly Policy Charges, the Policy will enter the Policy Grace Period and an additional Premium Payment will be required to keep the Policy in force. (See “Termination and Reinstatement”).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">If the Policy is being kept in force by the Death Benefit Guarantee when the Insured dies, the gross amount of death proceeds will be the Guaranteed Minimum Death Benefit (“GMDB”) regardless of the Death Benefit option in effect. On the Date of Issue the GMDB equals the Specified Amount. After the Date of Issue, if there is a Policy change that changes the Specified Amount, including a Death Benefit option change, then the GMDB will equal the lessor of the current GMDB or the new Specified Amount.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">During the Death Benefit Guarantee Period, the Death Benefit Guarantee keeps the Policy from terminating, provided that the Death Benefit Guarantee Test is met. Unless the Death Benefit Guarantee was previously terminated, the Death Benefit Guarantee Test will be performed on each Monthly Processing Date during the Death Benefit Guarantee Period or until the Policy Anniversary nearest the Insured’s 121</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">st</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> birthday, if sooner. If the Death Benefit Guarantee Test is not met on a Monthly Processing Date, the Death Benefit Guarantee will enter a Death Benefit Guarantee Grace Period. The Death Benefit Guarantee Test is met provided that:</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">on the current Monthly Processing Date, (a) is greater than or equal to (b) where:</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">is the cumulative Premium Payments minus the sum of the following:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the cumulative withdrawals; and</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">principal loan balance (See “Policy Loans”); and</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">is the cumulative Death Benefit Guarantee Premiums for the current Monthly Processing Date;</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">AND</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Death Benefit Guarantee Test has been met on all prior Monthly Processing Dates, and has not previously been terminated due to a loan or withdrawal causing the test to not be met.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Death Benefit Guarantee Test will be deemed to have been met on all prior Monthly Processing Dates during a Death Benefit Guarantee Grace Period if the required payment is paid prior to the expiration of the Death Benefit Guarantee Grace Period.</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Termination of Death Benefit Guarantee For Failure to Meet the Death Benefit Guarantee Test</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">If on a Monthly Processing Date the Death Benefit Guarantee Test is not met, you will have 61 days to make an additional payment to keep the Death Benefit Guarantee, provided the Death Benefit Guarantee Period is not already scheduled to expire during that 61-day period. The Death Benefit Guarantee Grace Period will begin on the date we send you written notice of the amount of payment you must make. The minimum payment that you must make will be the amount necessary to meet the Death Benefit Guarantee Test at the end of the Death Benefit Guarantee Grace Period.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Death Benefit Guarantee will continue during the Death Benefit Guarantee Grace Period, terminating at the end of such period if you do not make the required payment. If you do not make the required payment, you will not be able to reinstate the Death Benefit Guarantee.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">When the Death Benefit Guarantee terminates, the Policy will still remain in force provided the Cash Surrender Value on the Monthly Processing Date is greater than the Monthly Policy Charges. If, however, this requirement is not met, the Policy will enter the Policy Grace Period, during which time you may still avoid termination of your Policy provided you make sufficient payments to keep your Policy in force. (See “Termination and Reinstatement”). </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">If the Insured dies during the Death Benefit Guarantee Grace Period and the Death Benefit Guarantee is keeping the Policy in force, we will deduct from the Life Insurance Benefit the amount of the payment required to meet the Death Benefit Guarantee Test as of the last Monthly Processing Date preceding or on the date of death of the Insured.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Example: John Doe elected a ten-year Death Benefit Guarantee Period when he purchased his policy and has met his Death Benefit Guarantee Test every month. On a monthly processing date in the eighth year, John’s policy has the following characteristics:</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cash Surrender Value = $80</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Monthly Policy Charges = $100</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cumulative Premiums to date = $20,000</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cumulative Withdrawals to date = $1,000</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Principal Loan Balance = $0</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cumulative Monthly Death Benefit Guarantee Premiums = $18,000</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">John’s policy does not have enough cash surrender value to cover monthly policy charges and would normally enter the policy grace period and eventually terminate. However, John’s policy does not enter the policy grace period because his cumulative premium amount (less withdrawals and loans) ($20,000 - $1,000 = $19,000) is greater than his cumulative monthly Death Benefit Guarantee Premium amount ($18,000), which was an amount determined when John purchased the policy. Amounts needed to cover the outstanding charges are deducted from the value of John’s policy.</span><span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Death Benefit Guarantee Premium Suspension</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Your Policy may be eligible for Death Benefit Guarantee Premium Suspension as indicated on your Policy schedule pages. Death Benefit Guarantee Premium Suspension is tested on the month prior to your next Policy Anniversary. It sets the Death Benefit Guarantee Monthly Premium to zero beginning on the next Monthly Processing Date until the next Policy Anniversary (or earlier if a “Retest Event” occurs), so long as the Death Benefit Guarantee is active (and not in a Death Benefit Grace Period) and the Contract Fund Value is greater than or equal to the amount shown on the Table of Amounts for Determining Death Benefit Guarantee Premium Suspension (“Premium Suspension Table”) for a particular Monthly Processing Date shown in your Policy. A Retest Event is defined as a withdrawal, a Policy loan, a failure to pay accrued loan interest when due, or a change by the Owner to the terms of the Policy that could result in an increase in the Company’s risk under the Policy. If a Retest Event occurs, the Death Benefit Guarantee Premium Suspension will continue so long as immediately after the Retest Event the Death Benefit Guarantee Test is met and the Contract Fund Value is greater than or equal to the amount shown in the Premium Suspension Table for the Monthly Processing Date adjusted proportionately for any reduction to the Guaranteed Minimum Death Benefit resulting from the Retest Event.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Example: Jane Doe elected a ten-year Death Benefit Guarantee Period when she purchased her policy and has met her Death Benefit Guarantee Test every month. On the monthly processing date prior to her eighth policy anniversary, Jane’s policy had the following characteristics:</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cumulative Premiums to date = $50,000</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cumulative Monthly Death Benefit Guarantee Premiums = $20,000</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Contract Fund Value = $90,000</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Death Benefit Guarantee Premium Suspension Amount = $85,000</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Because the Contract Fund Value of Jane’s policy is greater than the Death Benefit Guarantee premium suspension amount shown in her policy, her policy passes the Death Benefit Guarantee Premium Suspension test and her monthly Death Benefit Guarantee premium amount is reduced to $0, meaning she will continue to pass the monthly Death Benefit Guarantee test until the earlier of her next Policy Anniversary or a Retest Event.</span> <span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Income Plans</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Upon the death of the Insured, if an Income Plan was not previously elected by you and in lieu of a lump sum or other payment agreed to by the Company, the beneficiary may elect to receive his or her share (or name and change beneficiaries </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:2.5pt;">–see “Other Policy Provisions – Naming a Beneficiary”) of the Life Insurance Benefit by either of the fixed Income </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Plan options noted below. Payments under a fixed Income Plan option are not affected by the investment performance of the Divisions after the date of surrender or the date of the Insured’s death. Nothing in this section shall be construed to otherwise contradict the order of payment of the Life Insurance Benefit as described in the Policy, designated by you or under applicable law.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Payments under fixed Income Plan options will be based on rates declared by the Company on the effective date of the Income Plan. The monthly income payment rates applicable to life Income Plans are based on interest rates applicable to amounts as of the date of death of the Insured according to the Policy as well as additional interest at a rate of 10% annually beginning 31 calendar days after the latest of (a) proof of the date of death is received by the Company, (b) the Company has all the information it needs to determine liability and the appropriate payees, or (c) any legal impediments (e.g., court guardian or executor actions) are properly satisfied. There is no additional charge for electing an Income Plan option. We may offer additional Income Plans.</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Single Life Income</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">We will make monthly payments for the selected certain period. The options for the certain period are zero years (i.e., no certain period), ten years, or twenty years. If the payee lives longer than the certain period, payments will continue for his or her life. In cases where a ten or twenty year certain period is elected, if the payee dies before the end of the certain period, the balance of the certain period payments will be paid to the Income Plan beneficiaries your beneficiary designates. Where a certain period of zero years was selected and the Income Plan beneficiary dies before the first scheduled payment, then no payments will be paid.</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Joint and Survivor Life Income</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">We will make monthly payments for a 10-year certain period, and thereafter for as long as either of the individuals upon whose lives income payments are based is living. If both payees die before the end of the certain period, the balance of the certain period payments will be paid to the Income Plan beneficiaries or to beneficiaries your beneficiary designates.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">In general, the monthly payments under a joint and survivor life Income Plan will be lower than, but may be payable for a longer period than, a single life Income Plan.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Owner may elect an Income Plan for each beneficiary’s share of the Life Insurance Benefit:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">while the Insured is living; or</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">during the first 60 days after the death of the Insured, if the Insured at the time of his or her death was not the Owner. An election made during that 60-day period may not be revoked.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">An Owner may make or change Income Plan elections by contacting the Home Office or an authorized Financial Representative may provide us with an election on behalf of a Policy Owner subject to our current procedures, rules and requirements.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Subject to the Owner’s rights, and upon providing any information that we may require, a direct or contingent beneficiary may elect an Income Plan for his or her share of the Life Insurance Benefit and/or name his or her own beneficiary for the Income Plan value, if any, remaining on his or her death. If no such Income Plan beneficiary is named, then the Income Plan beneficiary for the remaining value, if any, shall be the estate of the deceased direct or contingent beneficiary. Income Plan beneficiaries may continue to receive payments of the remaining value under the terms of the Income Plan in effect on the death of the direct or contingent beneficiary.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Withdrawal</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The remaining value, if any, in an Income Plan may be withdrawn in a lump sum upon the death of all individuals upon whose lives income payments are based. The withdrawal value will be the present value of any unpaid payments for the remaining certain period. The present value will be based on the rate of interest used to determine the amount of the payments.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Limitations</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">If a trust is named as a beneficiary and no qualified trustee claims the Life Insurance Benefit within one year after the claim is determined to be payable, payment of the Life Insurance Benefit will be paid as though the trust had not been named as a beneficiary. The Company is not responsible for actions taken by the trustee and will not be charged with notice of any change of trustee unless written evidence of the change is received at the Home Office.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Payment Frequency</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Upon written request, we will make payments once every 3, 6, or 12 months instead of each month.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Example: John Doe was the owner and insured of a policy and had elected a single life income plan for a ten-year certain period. Upon his death, in lieu of paying life insurance proceeds from the policy to his wife Jane, his beneficiary, in a lump sum, the Company made reduced amounts of monthly payments to her spread out over that time period while the remaining balance earned interest.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:11.04pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Exchange for a Fixed Benefit Policy</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Depending on your state of issue, we may allow you to exchange your Policy for a life insurance policy with benefits that do not vary with the investment experience of the Separate Account (“Fixed Benefit Policy”) at any time within the period allowed by your state provided premiums are paid. We reserve the right to require evidence of insurability. Depending on the timing and the individual circumstances surrounding the exchange, the Fixed Benefit Policy will be on the life of the same Insured and will have a Death Benefit at least as great as the initial Death Benefit of your Policy (assuming no decrease in Specified Amount prior to the exchange). The exchange may be subject to an equitable cash adjustment, which will recognize the investment performance of the Policy through the effective date of the exchange and may have tax consequences. An exchange will be effective when we receive a proper written request, as well as the Policy, and any amount due on the exchange.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">In addition, irrespective of your state of issue, you may exchange a Policy for a Fixed Benefit Policy if, at any time, a Fund changes its investment adviser, if there is a material change in the investment policies of a Portfolio that was approved by Owners, or the Portfolio is substituted for another portfolio (see “Other Policy Transactions-Substitution of Portfolio Shares and Other Changes”). There may be a cost associated with the exchange. You will be given notice of any such change and will have 60 days to make the exchange.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Example: John Doe lives in California and is the owner and insured of a variable universal life plus policy. Twelve months after the policy is issued, John decides he would rather own a policy that is not subject to the investment experience of the underlying portfolios in which the separate account divisions that support his policy invest, and would rather own a policy that earns a fixed rate of interest. Subject to the Company’s requirements, John has up to six more months to exchange his variable policy for a fixed policy without the Company requiring evidence of insurability.</span> <span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Paid-up Insurance</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Upon written request to the Company, you may change your Policy to Paid-up insurance. Your election to convert to Paid-up insurance is irrevocable. To convert your Policy, the Cash Surrender Value must be at least $1,000 and the Policy must have been in force for at least 18 months from the Policy Date. This feature is not available for policies issued in certain states where the Guideline Premium/Cash Value Corridor Test (see “Minimum Death benefit”) was elected at issue. See Appendix B for more information about whether your state of issue affects the availability of Paid-up insurance.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">If the request is received in Good Order at our Home Office before the close of trading (typically, 4:00 p.m. Eastern Time) on the NYSE on a Monthly Processing Date, the effective date of change to Paid-Up insurance will be that date. If the request is not received on a Monthly Processing Date, or on or after the close of trading on the NYSE on a Monthly Processing Date, the change will be effective on the next Monthly Processing Date. If your request is not in Good Order, either we or your Financial Representative will notify you in writing, by telephone or by email in an effort to conform your request to our then-current requirements.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">On the date the Policy is changed to Paid-up insurance, we deduct any applicable surrender charge and we transfer the Contract Fund Value to the Company’s General Account. Any outstanding Policy Debt continues. The Specified Amount will be changed to the Paid-up Specified Amount. The Paid-up Specified Amount is calculated as the Policy Value (after deducting the surrender charge and any withdrawals as of the date of the change) divided by the factor for the Paid-up insurance option shown on the Policy schedule pages. The Death Benefit option will be changed to Option A, and any Death Benefit Guarantee and any additional benefits will be terminated. The definition of life insurance will be changed to the Cash Value Accumulation Test (please see “Death Benefit </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:2.5pt;">– Minimum Death Benefit” for more information).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">After the Policy is changed to Paid-up insurance, the Policy Value will equal the Contract Fund Value plus any Policy Debt except that Policy Value (excluding loans) will not be less than the Paid-up Specified Amount multiplied by the factor for the Paid-up insurance shown on the Policy schedule pages (“Guaranteed Minimum Paid-Up Policy Value”).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">When the Policy is in force as Paid-up insurance, you will not be permitted to make additional Premium Payments, change Death Benefit options or the Specified Amount, or add optional benefits to the Policy. Subject to certain restrictions, you are permitted to make withdrawals and loan repayments and take out additional loans. Loans and withdrawals reduce the Contract Fund Value and may increase the chance the Policy will terminate without value. A withdrawal can be requested by the Owner (see “Surrender and Withdrawals of Policy Value”). Withdrawals may reduce the Paid-up Specified Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Contract Fund Value will earn interest at an annual effective rate determined by the Company that may change no more frequently than once a year and at no time will the annual effective interest rate be less than the minimum Paid-up Minimum Guaranteed Annual Effective Interest Rate shown in the Policy schedule pages. On any day after the effective date, the Contract Fund Value is equal to the Contract Fund Value at the end of the previous day </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">plus </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">any of the following items applicable for the current day:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">interest;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">any loan repayment and accrued loan interest payment made; and</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">any Policy dividend directed to increase the Policy Value;</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">minus </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">any of the following items applicable to the Contract Fund Value for the current day:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">a Monthly Policy Charge;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Policy loans;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">withdrawals; and</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">service charges.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">When the Policy is in force as Paid-up insurance, the Monthly Policy Charge consists of the Monthly Policy Debt Expense Charge and the Monthly Cost of Insurance Charge. These charges may be reduced in order to ensure the Policy Value is not less than the Guaranteed Minimum Paid-up Policy Value.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Example: Jane Doe is the owner and insured of a variable universal life plus policy with an Additional Purchase Benefit rider and a Death Benefit Guarantee that has been in force for three years. Her policy has the following characteristics as of a monthly processing date: </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Cash Surrender Value = $200,000</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Specified Amount = $500,000</span> <br/><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Factor for Paid-up Option in the current policy month (from the policy schedule pages) = 0.8</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Jane decides she would rather own a paid-up policy that will earn a fixed rate of interest and will not require additional premium payments. Because Jane’s policy has the required minimum amount of cash surrender value and has been in force long enough, she is able to convert her policy to a paid-up policy. Her new policy, however, will not have any benefits and the specified amount of her death benefit will be reduced to her policy value divided by the factor set forth in her policy at issue, in this case reducing her specified amount from $500,000 to $250,000 (i.e., $200,000 / 0.8 = $250,000).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:11.04pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Dollar-Cost Averaging</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">With Dollar-Cost Averaging (“DCA”), you can arrange to have a designated amount of money (either a fixed dollar amount or a fractional amount) automatically transferred monthly in allowable amounts from the Government Money Market Division into other Division(s) you have chosen. Transfers will end either when the amount in the Government Money Market Division is depleted or when you submit a request to our Home Office to stop such transfers, whichever is earlier. You may request changes in writing (including via facsimile or, under limited circumstances, by email) or by calling (866) 464-3800. Where allowable by applicable law, a Policy Owner’s Financial Representative may provide us with rebalancing requests on behalf of a Policy Owner subject to our current procedures, rules and requirements. You may also submit changes via the Internet at </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;text-decoration:underline;">www.northwesternmutual.com</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> (“Electronic Instructions”) in accordance with our then-current Internet procedures provided you have properly authorized us to accept Electronic Instructions in advance of your request. There is no charge for DCA. We reserve the right to modify or terminate the DCA Plan at any time. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;font-style:italic;">DCA does not ensure a profit or protect against loss in a declining market. Carefully consider your willingness to continue Premium Payments during periods of declining markets. You should consult your Financial Representative before deciding whether to elect DCA</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">.</span> <span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Portfolio Rebalancing</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Over time, portfolio rebalancing helps you maintain your allocations among the Divisions. If you elect portfolio rebalancing, amounts invested in the Divisions are periodically rebalanced in accordance with our procedures, to return your allocation to the percentages you specify. Portfolio rebalancing may reduce amounts allocated to better performing Divisions. </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Please note that the SAS Account is not included in portfolio rebalancing.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">You may choose to rebalance monthly, quarterly, semi-annually or annually. We do not charge a transfer fee for portfolio rebalancing. Subject to any limitations imposed by our short-term and excessive trading policies and procedures, you may elect portfolio rebalancing and modify or terminate your election at any time by submitting a request to our Home Office. You may request changes in writing (including via facsimile or, under limited circumstances, by email) or by calling (866) 464-3800. Where allowable by applicable law, a Policy Owner’s Financial Representative may provide us with rebalancing requests on behalf of a Policy Owner subject to our current procedures, rules and requirements. You may also submit changes via the Internet at </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;text-decoration:underline;">www.northwesternmutual.com</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> (“Electronic Instructions”) in accordance with our then-current Internet procedures provided you have properly authorized us to accept Electronic Instructions in advance of your request. If you make transfers through our website, your portfolio rebalancing will end and you will need to make a new election if you want portfolio rebalancing to continue. We may modify, limit, suspend, or discontinue this feature at any time.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.580pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Asset Allocation Models</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Company currently makes available allocation models at no extra charge for amounts invested in the Divisions. An Owner can select only one model at a time. Each of the four models currently available (Moderately Conservative, Balanced, Aggressive, Very Aggressive) is comprised of a combination of Divisions that hold Portfolios representing various asset classes with various levels of risk tolerance. Generally, the four models can be characterized as follows:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.92pt;"> </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:523pt;"> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:261.5pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Moderately Conservative</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:261.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">This combination of Divisions has Portfolios that generally invest in </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">fixed income securities and a mix of equity securities with a majority </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">emphasis on fixed income investments in order to preserve </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">principal, provide liquidity and income and to seek modest growth.</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:261.5pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Balanced</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:261.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">This combination of Divisions has Portfolios that generally invest in a </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">mix of fixed income and equity securities in order to preserve </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">principal and pursue sustained long-term growth without the </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">volatility of high- risk investments.</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:261.5pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Aggressive</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:261.5pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">This combination of Divisions has Portfolios that generally invest in a </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">mix of equity securities and some fixed income securities in order to </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">primarily pursue long-term growth while willing to accept the </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">volatility associated with high-risk investments.</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:261.5pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:4pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Very Aggressive</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:261.5pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">This combination of Divisions has Portfolios that invest in almost </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">entirely in a variety of equity securities in order to achieve higher </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">potential growth while assuming the risks and higher volatility </span></div> <div style="margin-left:5.75pt;margin-right:4pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">associated with these securities.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9.20pt;">An Owner may only select a model which is currently available. Any investment allocations outside of an Owner’s original model must be made by the Owner, and will not be made by the Company. The Company does not provide investment advice regarding whether a model should be revised or whether it remains appropriate to invest in accordance with any particular model due to performance, a change in an Owner’s investment needs or for other reasons. If an Owner wishes to remove Portfolios from an Owner’s model and/or change allocations to a current model, the Owner may do so by notifying us in writing, contacting their Financial Representative or by calling (866) 464-3800. There will be no automatic rebalancing to these models unless the Owner chooses the automatic rebalancing option. </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Please note that investment in a model does not eliminate the risk of loss and it does not protect against losses in a declining market. An Owner should contact their Financial Representative for more information about available allocation models (including the </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;text-decoration:underline;">specific</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;"> asset mixes of available models) and whether investment in a model is appropriate for them. Models may not be available for Policies with allocated amounts to the SAS Account.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Available models may change from time to time, but you must make an affirmative election to change models. The Company reserves the right to modify, suspend, or terminate any asset allocation model at any time without affecting an Owner’s current allocation, except in limited circumstances involving a Substitution (see “Substitution of Portfolio Shares and Other Changes” below for more information regarding the substitution of a Portfolio) or the elimination of a Portfolio as an investment option under the Policy pursuant to other applicable SEC regulatory guidance. In that case, allocations in a Portfolio within a model (Original Portfolio) will be transferred to a different Portfolio if the Original Portfolio becomes no longer available (e.g., a substitution, merger, or liquidation), in which case the Company will send written notice in advance of such event. If an Owner is invested in a model that is no longer offered and initiates a change outside of the original model allocations, the Owner will not be able to select the original model (see “Transfers” above for more information about how to change portfolio allocations).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Please note that investment according to an allocation model may result in an increase in assets allocated to Portfolios managed by an investment adviser affiliated with the Company, and therefore a corresponding increase in Portfolio management fees collected by such adviser and may present a conflict of interest.</span> <span style="color:#000000;font-family:Arial;font-size:10.20pt;font-weight:bold;">Terminal Illness Benefit</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;line-height:9.775pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">This Benefit pays a portion of the policy’s death benefit to the Owner when the Company receives proof that is satisfactory to the Company of the Insured’s Terminal Illness. If an accelerated death benefit payment is made under this Benefit, the Death Benefit, Specified Amount, Contract Fund Value and Loan Value under this Policy, if applicable, will be reduced. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">An accelerated death benefit payment will not be allowed if the Owner is required to request the payment by any third party (including any creditor, governmental agency, trustee in bankruptcy, or any other person) or as the result of a court order. This Benefit may be taxable. Before requesting payment under this Benefit, please consult your legal or tax professionals.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">General Terms</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">The Terminal Illness Death Benefit Amount. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Terminal Illness Death Benefit Amount for this Benefit will be calculated by the Company and is equal to the Death Benefit at the time this Benefit is requested and does not include dividends payable upon death, if any.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">The Eligible Death Benefit Amount</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">. The maximum amount of Death Benefit that can be accelerated at the time this Benefit is requested and is equal to 75% of the Terminal Illness Death Benefit Amount but shall not exceed $1 million.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">The Requested Death Benefit Amount.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> The portion of the Terminal Illness Death Benefit Amount that the Owner requests to be accelerated. This amount must be at least the minimum amount set by the Company which will not exceed $25,000 but not greater than the Eligible Death Benefit Amount.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Administrative Fee. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">A charge up to $250 that the Company may impose to pay for administrative expenses.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Declared Interest Rate</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">. The greater of (a) the effective annual yield on 90-day Treasury Bills as of the date of application for an accelerated payment of (b) the rate of the Moody’s Corporate Bond Yield Averages </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:2.5pt;">– Monthly Average Corporates published by </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Moody’s Investor Services, Inc. or successor thereto, for the calendar month ending two months before the date of request for this Benefit.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Loan Adjustment</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">. An amount equal to the Requested Death Benefit Amount divided by the Terminal Illness Death Benefit Amount multiplied by any Policy Debt.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">The Accelerated Payment Amount</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">. An amount equal to:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Requested Death Benefit Amount; less</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">twelve months of interest on the Requested Death Benefit Amount at the Declared Interest Rate; less</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Administrative Fee; less</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Loan Adjustment; less</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">any required minimum premium due from entering either the Policy Grace Period or the Death Benefit Guarantee Grace Period if the Policy is currently in force under the Death Benefit Guarantee.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Licensed Physician</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">. A doctor of medicine or osteopathy authorized to practice medicine and surgery by the state in which he or she performs such functions or action in the United States or Canada. The Licensed Physician cannot be the Insured, Owner, or a spouse, mother-in-law, father-in-law, stepparent, or the natural or adoptive brother, sister, parent, grandparent, or child of the Owner or Insured.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Terminal Illness</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">. An illness certified by a Licensed Physician that is reasonably expected to result in death six months or less from the date of the certification by the Licensed Physician.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Terminal Illness Benefit</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Company will pay an Accelerated Payment Amount to the Owner as an immediate one-time lump sum if:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Insured has a Terminal Illness;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Conditions of Payment are satisfied; and</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the claim requirements are satisfied.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">There is no Monthly Policy Charge associated with this Benefit. The amount payable under this Benefit shall not be less than the amount available upon surrender multiplied by the percentage of the death benefit that is being accelerated.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Any benefits paid under this Benefit, including those paid after the Insured’s death but before the Company received notice of that death, will reduce the Death Benefit that is paid on the death of the Insured as described below. This Benefit will not be paid if the Company receives notification of the Insured’s death before the Accelerated Payment Amount is sent to the Owner.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Effect of the Accelerated Payment Amount on Policy Values</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">After the Company makes a payment under this Benefit, the Policy remains in force with the following adjustments to the Policy values:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Death Benefit Option is changed to Option A if Option A is not in effect at the time of payment;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Death Benefit will be reduced by the Requested Death Benefit Amount;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Specified Amount will be reduced proportionately to the reduction in Death Benefit;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Eligible Death Benefit Amount will be reduced to zero;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Contract Fund Value will be reduced proportionately to the reduction in Death Benefit (reductions from Contract Fund Value are proportionate among the Divisions and/or the NM Strength and Stability Account in proportion to the amounts in the Divisions and/or the NM Strength and Stability Account);</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">any Policy Debt will be reduced by the Loan Adjustment; </span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">if applicable, the Selected Monthly Premium under a Waiver Benefit will be reduced proportionately to the reduction in Death Benefit; and</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">if a Death Benefit Guarantee is active, the Death Benefit Guarantee will be reduced to the new Specified Amount.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Upon payment of the Accelerated Payment Amount, the Company will furnish updated specification pages to reflect the new Policy values, and the Company’s liability under this Policy for the Requested Death Benefit Amount ends.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Following payment of the Accelerated Payment Amount, Death Benefit Option changes are not permitted.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Conditions of Payment</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Company must receive the Owner’s voluntary written request for payment under this Benefit. The Company will pay the Accelerated Payment Amount if all of the following conditions are met: </span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Policy is not collaterally assigned;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Policy was not issued by dividing a policy into two or more policies;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Policy is not the result of a partial term conversion; </span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the claim has been approved;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the Policy is in force; and </span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">if applicable, the Company has received written approval to make a payment under this Benefit from any irrevocable beneficiary.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Claims for Terminal Illness Benefit</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Before the Accelerated Payment Amount is paid under this Benefit, the Company will require the Owner to provide proof that is satisfactory to the Company of the Insured’s Terminal Illness. This proof must include the certification of Licensed Physician describing the Insured’s health condition and stating that the condition is reasonably expected to result in death of the Insured in six months or less. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Company reserves the right to obtain a second opinion as to the Insured’s heath at its own expense. In the event of conflicting opinions between the Insured’s Licensed Physician and the Licensed Physician of the Company’s choice, eligibility for this Benefit will be determined by a third opinion provided by a Licensed Physician that is mutually acceptable to the Company and the Insured. Such third opinion will be at the Company’s expense. </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Request for Claim</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">. To make a claim for this Benefit, the Company must receive a written request from the Owner. The request should:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">include the Insured’s name, Policy number, and Requested Death Benefit Amount; and</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">be sent to the Company or be given to an authorized agent of the Company.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Claim Forms. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Company will furnish claims forms within 15 days after receiving notice of claim. These forms must be completed by the Owner, the Insured (or the Insured’s representative if the Insured is incapable), and the Insured’s Licensed Physician. If these forms are not furnished by the Company within the 15-day period, this initial written proof of the Insured’s Terminal Illness may be made by providing a written statement of the Terminal Illness without the use of the Company forms. </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Payment. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Any payments made under this Benefit will be paid to the Owner or Owner’s Estate while the Insured is living, unless the Benefit has been otherwise assigned or designated by the Owner. Claims under this Benefit must be requested voluntarily by the Owner. This Benefit provides for the payment of a portion of the proceeds of this Policy normally payable at the death of the Insured. This Benefit is not meant to cause the Owner to involuntarily obtain proceeds that ultimately would be payable to the Beneficiary. </span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Authorizations. </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The Company will furnish the Insured (or his or her representative if the Insured is incapable) with authorizations to obtain and disclose medical records. These authorizations must be signed by the Insured without alterations and returned to the Company.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;">Termination</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">This Benefit will terminate on the earliest of the following dates:</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the date on which a payment has been paid under this Benefit;</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the date on which the Home Office receives the Owner’s written request to terminate this Benefit; or</span><span style="color:#000000;font-family:Arial;font-size:6pt;">●</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">the date of termination of the Policy.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Following is a hypothetical example of how the Terminal Illness Benefit works. The example is provided for illustrative purposes only and is in no way representative of actual policy values.</span><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;text-decoration:underline;">Example:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.92pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523pt;"> <tr style="height:12.5pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Middle;width:523pt;"> <div style="line-height:7.65pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Policy Values Before Terminal Illness Payment</span></div></div></td></tr> <tr style="height:30.5pt;"> <td style="padding-bottom:1.5pt;padding-top:3.5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit = $200,000</span></div> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Specified Amount = $200,000</span></div> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Contract Fund Value = $50,000</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523pt;"> <tr style="height:14pt;"> <td colspan="2" style="padding-bottom:5pt;padding-top:5pt;vertical-align:Middle;width:523pt;"> <div style="line-height:7.65pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Terminal Illness Benefit Payment Calculation</span></div></div></td></tr> <tr style="height:16pt;"> <td colspan="2" style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Eligible Insurance Amount = 0.75 * $200,000 = $150,000**</span></div></div></td></tr> <tr style="height:16pt;"> <td colspan="2" style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">**Eligible Insurance Amount cannot exceed $1,000,000 as defined in the Policy</span></div></div></td></tr> <tr style="height:16pt;"> <td colspan="2" style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Requested Death Benefit Amount = $150,000</span></div></div></td></tr> <tr style="height:16pt;"> <td colspan="2" style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Debt = $10,000</span></div></div></td></tr> <tr style="height:16pt;"> <td colspan="2" style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Interest Rate = 0.05 (for illustration purposes)</span></div></div></td></tr> <tr style="height:16pt;"> <td colspan="2" style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Loan Adjustment = $150,000 / $200,000 * $10,000 = $7,500</span></div></div></td></tr> <tr style="height:16pt;"> <td colspan="2" style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">The Accelerated Payment Amount is equal to:</span></div></div></td></tr> <tr style="height:16pt;"> <td style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:187pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Requested Death Benefit</span></div></div></td> <td style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:336pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$150,000</span></div></div></td></tr> <tr style="height:16pt;"> <td style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:187pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Twelve months of interest</span></div></div></td> <td style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:336pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-$150,000 * (1 - (1.05) ^ -1) = $7,142.86</span></div></div></td></tr> <tr style="height:16pt;"> <td style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:187pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Administrative Fee</span></div></div></td> <td style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:336pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-$250</span></div></div></td></tr> <tr style="height:16pt;"> <td style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:187pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Loan Adjustment</span></div></div></td> <td style="padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:336pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-$7,500</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:1.5pt;padding-top:5pt;vertical-align:Top;width:187pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Accelerated Payment Amount</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:5pt;vertical-align:Top;width:336pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">$135,107.14</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:523pt;"> <tr style="height:12.5pt;"> <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Middle;width:523pt;"> <div style="line-height:7.65pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">Policy Values After Terminal Illness Payment</span></div></div></td></tr> <tr style="height:40.5pt;"> <td style="padding-bottom:1.5pt;padding-top:3.5pt;vertical-align:Top;width:523pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Death Benefit = $200,000 - $150,000 = $50,000</span></div> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Specified Amount = $200,000 – ($200,000 x 75%) = $50,000</span></div> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Contract Fund Value = $50,000 – ($50,000 x 75%) = $12,500</span></div> <div style="margin-left:20.5pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Debt = $10,000 - $7,500 = $2,500</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:22.08pt;">Appendix A</span><span style="color:#000000;font-family:Arial;font-size:22.08pt;margin-left:6pt;">—Portfolios Available under Your Policy</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The following is a list of Portfolios available under your Policy. More information about the Portfolios is available in the </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a><a href="#bookmark_prospectus_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">prospectuses</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> for the </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;">, which may be amended from time to time and can be found online at www.nmprospectus.com. You can also request this information at no cost by calling (866) 464-3800 or by sending an email request to vavldocrequest@northwesternmutual.com.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The current expenses and performance information below reflects fees and expenses of the </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;">, but do not reflect the other fees and expenses that your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> may charge. Expenses would be higher and performance would be lower if these other charges were included. Each </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Portfolio’s</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> past performance is not necessarily an indication of future performance. Please note that depending on whether your </span><a href="#bookmark_deathbenefitguarantee_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Death Benefit Guarantee</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> is in effect, allocations or transfers into the Government Money Market </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Division</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> are subject to certain restrictions (see “The Fixed Option - Restrictions on Amounts in the SAS Account and Government Money Market </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Division</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;">” in the </span><a href="#bookmark_prospectus_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Prospectus</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;">).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.580pt;"> </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.92pt;"> </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:523pt;"> <tr style="height:30pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:108.23pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Investment</span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Objective</span></div></div></td> <td colspan="2" rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:238.90pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Portfolio and Adviser/</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Sub-adviser (if applicable)</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:48pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:127.85pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Average Annual</span></div> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Total Returns</span></div> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:44.36pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:44.36pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">5 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:39.13pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">10 Year</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital; current income is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">a secondary objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Growth Stock Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Mason Street Advisors, LLC </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(MSA)</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">T. Rowe Price </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.42%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">19.40%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">11.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.80%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Focused Appreciation </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Loomis, Sayles &amp; </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Company, L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.58%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.89%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">17.07%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital and income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Large Cap Core Stock </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Wellington </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company LLP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.43%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">16.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">13.96%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital and income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Large Cap Blend </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">J.P. Morgan Investment </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.70%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.34%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">11.77%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">11.98%</span></div></div></td></tr> <tr style="height:63pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment results that </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">approximate the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">performance of the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard &amp; Poor’s 500</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">® </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Composite Stock Price </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Index 500 Stock </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.19%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">17.64%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.58%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital; income is a </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">secondary objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Large Company Value </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">American Century </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Management, </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.74%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.48%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital and income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Domestic Equity </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Putnam Investment </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.50%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.87%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital and income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Equity Income Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">T. Rowe Price </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.57%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.48%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">11.31%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.64%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Mid Cap Growth Stock </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">J.P. Morgan Investment </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.54%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.32%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.81%</span></div></div></td></tr> <tr style="height:63pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment results that </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">approximate the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">performance of the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard &amp; Poor’s </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MidCap 400</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> Stock Price </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Index 400 Stock </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Northern Trust </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investments, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.24%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.44%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital; current income is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">a secondary objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Mid Cap Value Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">American Century </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Management, </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.71%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.16%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.96%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.25%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Small Cap Growth Stock </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Wellington </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company LLP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.56%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.29%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.82%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment results that </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">approximate the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">performance of the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard &amp; Poor’s </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">SmallCap 600</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Index 600 Stock </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Northern Trust </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investments, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.26%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.78%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.48%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Small Cap Value </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">T. Rowe Price </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Management, </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.87%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.22%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.15%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">International Growth </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FIAM LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.61%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">18.70%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.11%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.07%</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:523pt;"> <tr style="height:30pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:108.23pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Investment</span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Objective</span></div></div></td> <td colspan="2" rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:238.90pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Portfolio and Adviser/</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Sub-adviser (if applicable)</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:48pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:127.85pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Average Annual</span></div> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Total Returns</span></div> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:44.36pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:44.36pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">5 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:39.13pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">10 Year</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Research International </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Core Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Massachusetts </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Financial Services Company</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;line-height:9.20pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.58%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">22.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.89%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.81%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital and income </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">International Equity </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Dodge &amp; Cox</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.68%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">38.35%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.31%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.65%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Emerging Markets Equity </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">abrdn Investments </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.78%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">34.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.26%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.95%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Maximum current income </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">to the extent consistent </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">with liquidity and stability </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">of capital</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">3</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Government Money </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Market Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2,4</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.33%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">4.03%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">3.03%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.96%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide as high a level of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">current income as is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with prudent </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment risk</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Short-Term Bond </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">T. Rowe Price </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.40%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.20%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.40%</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide as high a level of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">total return consistent </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">with prudent investment </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">risk; a secondary </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">objective is to seek </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">preservation of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">shareholders’ capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Select Bond Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Allspring Global </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investments, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.31%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.45%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-0.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.25%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Maximum total return, </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">preservation of capital </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">and prudent investment </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">management</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Long-Term U.S. </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Government Bond </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Pacific Investment </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.45%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-7.18%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-0.19%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Pursue total return using </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">a strategy that seeks to </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">protect against U.S. </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">inflation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Inflation Managed </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> (formerly </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">“Inflation Protection </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">American Century </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Management, </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.46%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.92%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.82%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">High current income and </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">High Yield Bond </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Federated Investment </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.46%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.49%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">4.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.95%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Maximum total return, </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with prudent </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment management</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Multi-Sector Bond </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Pacific Investment </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.75%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.66%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">4.56%</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Realize as high a level of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">total return as is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">conservative investment </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">risk, through income and </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">secondarily through </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Active/Passive </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Conservative Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.54%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:63pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Realize as high a level of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">total return as is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">reasonable investment </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">risk through appreciation </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">and income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Active/Passive Balanced </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> (formerly </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">“Balanced Portfolio”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.44%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">4.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.76%</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Realize as high a level of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">total return as is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with moderate </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment risk through </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation and </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">secondarily through </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Active/Passive Moderate </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> (formerly </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">“Asset Allocation </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.49%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.46%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.36%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.21%</span></div></div></td></tr> <tr style="height:61pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Realize as high a level of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">total return as is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with aggressive </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment risk, primarily </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">through appreciation and </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">some income </span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Active/Passive </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Aggressive Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.60%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</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:523pt;"> <tr style="height:30pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:108.23pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Investment</span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Objective</span></div></div></td> <td colspan="2" rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:238.90pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Portfolio and Adviser/</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Sub-adviser (if applicable)</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:48pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:127.85pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Average Annual</span></div> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Total Returns</span></div> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:44.36pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:44.36pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">5 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:39.13pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">10 Year</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Active/Passive Very </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Aggressive Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">(formerly “Active/Passive </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">All Equity Portfolio”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.63%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Growth of capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Growth Fund - Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(CRMC)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">20.24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">13.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Global Growth Fund - </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.65%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">21.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term capital </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS New </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">World Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> - Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.82%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">28.27%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.32%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide as high a level of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">current income as is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">preservation of capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS The </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Bond Fund of America</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> - </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.47%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-0.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide, over the long </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">term, a high level of total </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">return consistent with </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">prudent investment </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">management </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Capital World Bond </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> - Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.73%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.31%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-2.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide a high level of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">current income; a </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">secondary objective is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American High-Income </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Trust</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> - Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.62%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Seek to match the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">performance of the MSCI </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">EAFE Index in U.S. dollars </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">with net dividends as </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">closely as possible before </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">deduction of fund </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">expenses</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">BlackRock International </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Index V.I. Fund - Class I</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.27%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">31.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.88%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.18%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Maximize total return, </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with income </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">generation and prudent </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment management</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">BlackRock Total Return </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">V.I. Fund - Class I</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">BlackRock Advisors, LLC/</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">BlackRock International </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Limited &amp; BlackRock </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(Singapore) Limited</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;line-height:9.20pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.43%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-0.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.18%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Total return</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Cantor Fitzgerald </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Commodity Return </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Strategy Portfolio – Class </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">7</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">O’Connor Alternative </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investments, LLC</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;position:relative;top:-2.5pt;"> </span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.80%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">15.68%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.61%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term capital </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Columbia VP Small Cap </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Value Discovery Fund - </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Class 1</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">9</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">(formerly “VP </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Small Cap Value Fund”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Columbia Management </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.91%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.48%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">11.48%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP Mid Cap </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio – Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Research Company LLC </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(FMR)</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">11</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">11.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.59%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term capital </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Contrafund</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">SM </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio – </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FMR</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">11</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">21.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">15.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">15.78%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP Value </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Strategies Portfolio - </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FMR</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">11</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.82%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP Health Care </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio - Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FMR</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">11</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.39%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">4.18%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.75%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital appreciation</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP Technology </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio - Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FMR</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">11</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.56%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">23.36%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">16.83%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">23.76%</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:523pt;"> <tr style="height:30pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:108.23pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Investment</span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Objective</span></div></div></td> <td colspan="2" rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:238.90pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Portfolio and Adviser/</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Sub-adviser (if applicable)</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:48pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:127.85pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Average Annual</span></div> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Total Returns</span></div> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:44.36pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:44.36pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">5 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:39.13pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">10 Year</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Seek to provide </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment results that </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">correspond to the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">aggregate price and </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">interest performance of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">debt securities in the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Bloomberg U.S. Aggregate </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Bond Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP Bond Index </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio - Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FMR</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;position:relative;top:-2.5pt;"> </span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">11</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-0.57%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">John Hancock Disciplined </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Value International Trust </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">- Series NAV</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">12</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">John Hancock Variable Trust </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Advisers LLC/Boston Partners </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Global Investors, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">41.02%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.97%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term capital </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation and current </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">John Hancock Real Estate </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Securities Trust - Series </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">NAV</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">12</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">John Hancock Variable Trust </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Advisers LLC/Wellington </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company LLP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.76%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.77%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.91%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">High level of current </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">John Hancock Strategic </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Income Opportunities </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Trust - Series NAV</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">12</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">John Hancock Variable Trust </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Advisers LLC/Manulife </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Management </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(US) LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.74%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.61%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">3.26%</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital by investing </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">primarily in securities of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">companies that meet the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolio’s environmental, </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">social and governance </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">criteria</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Quality Equity Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">13</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">(formerly “Sustainable </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Equity Portfolio”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Neuberger Berman </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Advisers LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.87%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">13.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.94%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">U.S. Strategic Equity </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Russell Investment </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management LLC (RIM)</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.87%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.66%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.45%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">U.S. Small Cap Equity </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.06%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.34%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.98%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Current income and long-</span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">term growth of capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Global Real Estate </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Securities Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">3.57%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">International Developed </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Markets Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.95%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">28.64%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.51%</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide total return</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Strategic Bond Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.65%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.35%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-1.07%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.77%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Current income and </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">moderate long-term </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">LifePoints</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> Variable </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Target Portfolio Series </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Moderate Strategy </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.83%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">3.96%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.05%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Above-average long-term </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital appreciation and a </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">moderate level of current </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">LifePoints</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Variable </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Target Portfolio Series </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Balanced Strategy Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.89%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.96%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.39%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.88%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">High long-term capital </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation; and as a </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">secondary objective, </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">current income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">LifePoints</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> Variable </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Target Portfolio Series </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Aggressive Strategy </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.95%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">17.45%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.56%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.59%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">High long-term capital </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">LifePoints</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> Variable </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Target Portfolio Series </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Equity Aggressive </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Strategy Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.98%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">18.47%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.53%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.23%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">1</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">This reflects an expense reimbursement and/or fee waiver arrangement that is in place and reported in the Portfolio’s registration statement. This agreement </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">may be terminated in the future and, therefore, the expense figures shown reflect temporary fee reductions.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">2</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">A series of Northwestern Mutual Series </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, Inc., for which Mason Street Advisors, LLC, (MSA) our wholly-owned company, serves as investment adviser. </span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">3</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Although the Government Money Market </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> seeks to preserve its value at $1.00 per share, it is possible to lose money by investing in the Government Money Market </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. An investment in a money market </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">portfolio</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> is neither </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">insured</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> nor guaranteed by the Federal Deposit Insurance Corporation or any government agency. During extended periods of low interest rates, the yield of a money market </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">portfolio</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> may also become extremely low and possibly negative. Please note that allocations into the Government Money Market </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Division</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> are subject to certain restrictions if your </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Death Benefit Guarantee</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> is in effect (see “The Fixed Option - Restrictions on Amounts in the SAS Account and Government Money Market </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Division</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">” in the </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">).</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">4</span><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Please note that allocations or transfers into the Government Money Market </span><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Division</span><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;"> are subject to certain restrictions if your </span><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Death Benefit Guarantee</span><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;"> is in effect. These restrictions include limits on the timing and amounts allocated or transferred to this </span><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Division</span><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;"> to ensure total amounts in, or percentages allocated or transferred to, this </span><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Division</span><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;"> and/or the </span><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">SAS Account</span><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;"> do not exceed certain maximum percentages (see "The Fixed Option-Restrictions on Amounts in the SAS Account and Government Money Market Division" in the </span><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Prospectus</span><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">).</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">5</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">A series of American </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Funds</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> Insurance Series</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">6</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The BlackRock International Index V.I. </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and BlackRock Total Return V.I. </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> are series of BlackRock Variable Series </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Funds</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">, Inc. and BlackRock Variable Series </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Funds</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> II, Inc., respectively.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">7</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">A series of Cantor Fitzgerald Variable Insurance Trust (formerly “Credit Suisse Trust”).</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">8</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Effective March 31, 2026, O’Connor Alternative Investments, LLC succeeded UBS Asset Management (Americas) LLC as the Portfolio’s investment adviser.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">9</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">A series of Columbia </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Funds</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> Variable Insurance Trust. </span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">10</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> VIP Contrafund</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;line-height:9.5pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> is a series of Variable Insurance Products </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> II. The Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> VIP Mid Cap </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> VIP Value Strategies </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> are each a series of Variable Insurance Products </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> III. The Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> VIP Health Care </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> and Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> VIP Technology </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> are each a series of Variable Insurance Products </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> IV. The Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> VIP Bond Index </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> is a series of Variable Insurance Products </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> V.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">11</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">The following affiliates of Fidelity Management &amp; Research Company also assist with foreign investments for each </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">: Fidelity Management &amp; Research (U.K.) Inc., Fidelity Management &amp; Research (Hong Kong) Limited, and Fidelity Management &amp; Research (Japan) Inc. </span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">12</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">A series of John Hancock Variable Insurance Trust.</span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">13</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">A series of Neuberger Berman Advisers Management Trust. </span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">14</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">A series of Russell Investment </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Funds</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. </span><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-2pt;">15</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Assets of each </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;"> are invested by one or more investment management organizations researched and recommended by Russell Investment Management LLC, the investment adviser for the Russell Investment </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">Funds</span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">. </span> <span style="color:#000000;font-family:Arial;font-size:9.20pt;">The following is a list of Portfolios available under your Policy. More information about the Portfolios is available in the </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"></a><a href="#bookmark_prospectus_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">prospectuses</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> for the </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;">, which may be amended from time to time and can be found online at www.nmprospectus.com. You can also request this information at no cost by calling (866) 464-3800 or by sending an email request to vavldocrequest@northwesternmutual.com.</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;">The current expenses and performance information below reflects fees and expenses of the </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;">, but do not reflect the other fees and expenses that your </span><a href="#bookmark_policy_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> may charge. Expenses would be higher and performance would be lower if these other charges were included. Each </span><a href="#bookmark_portfolio_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Portfolio’s</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> past performance is not necessarily an indication of future performance. Please note that depending on whether your </span><a href="#bookmark_deathbenefitguarantee_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Death Benefit Guarantee</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> is in effect, allocations or transfers into the Government Money Market </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Division</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;"> are subject to certain restrictions (see “The Fixed Option - Restrictions on Amounts in the SAS Account and Government Money Market </span><a href="#bookmark_division_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Division</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;">” in the </span><a href="#bookmark_prospectus_b8ed9e40-7d0a-4268-b4e7-766d4d2d21ef"><span style="color:#000000;font-family:Arial;font-size:9.20pt;">Prospectus</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;">).</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.580pt;"> </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:0.92pt;"> </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:523pt;"> <tr style="height:30pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:108.23pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Investment</span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Objective</span></div></div></td> <td colspan="2" rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:238.90pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Portfolio and Adviser/</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Sub-adviser (if applicable)</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:48pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:127.85pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Average Annual</span></div> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Total Returns</span></div> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:44.36pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:44.36pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">5 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:39.13pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">10 Year</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital; current income is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">a secondary objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Growth Stock Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Mason Street Advisors, LLC </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(MSA)</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">T. Rowe Price </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.42%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">19.40%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">11.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.80%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Focused Appreciation </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Loomis, Sayles &amp; </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Company, L.P.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.58%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.91%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.89%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">17.07%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital and income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Large Cap Core Stock </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Wellington </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company LLP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.43%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">16.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">13.96%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital and income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Large Cap Blend </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">J.P. Morgan Investment </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.70%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.34%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">11.77%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">11.98%</span></div></div></td></tr> <tr style="height:63pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment results that </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">approximate the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">performance of the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard &amp; Poor’s 500</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">® </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Composite Stock Price </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Index 500 Stock </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.19%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">17.64%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.58%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital; income is a </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">secondary objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Large Company Value </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">American Century </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Management, </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.74%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.48%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital and income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Domestic Equity </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Putnam Investment </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.50%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.87%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital and income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Equity Income Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">T. Rowe Price </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.57%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.48%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">11.31%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.64%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Mid Cap Growth Stock </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">J.P. Morgan Investment </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.54%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.32%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.81%</span></div></div></td></tr> <tr style="height:63pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment results that </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">approximate the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">performance of the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard &amp; Poor’s </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MidCap 400</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> Stock Price </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Index 400 Stock </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Northern Trust </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investments, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.24%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.44%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital; current income is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">a secondary objective</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Mid Cap Value Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">American Century </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Management, </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.71%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.16%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.96%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.25%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Small Cap Growth Stock </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Wellington </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company LLP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.56%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.29%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.82%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment results that </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">approximate the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">performance of the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard &amp; Poor’s </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">SmallCap 600</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Index 600 Stock </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Northern Trust </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investments, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.26%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.78%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.48%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Small Cap Value </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">T. Rowe Price </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Management, </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.87%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.22%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.15%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">International Growth </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FIAM LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.61%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">18.70%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.11%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.07%</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:523pt;"> <tr style="height:30pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:108.23pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Investment</span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Objective</span></div></div></td> <td colspan="2" rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:238.90pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Portfolio and Adviser/</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Sub-adviser (if applicable)</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:48pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:127.85pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Average Annual</span></div> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Total Returns</span></div> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:44.36pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:44.36pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">5 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:39.13pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">10 Year</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Research International </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Core Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Massachusetts </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Financial Services Company</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;line-height:9.20pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.58%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">22.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.89%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.81%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital and income </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">International Equity </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Dodge &amp; Cox</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.68%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">38.35%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.31%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.65%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Emerging Markets Equity </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">abrdn Investments </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.78%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">34.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.26%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.95%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Maximum current income </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">to the extent consistent </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">with liquidity and stability </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">of capital</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">3</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Government Money </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Market Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2,4</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.33%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">4.03%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">3.03%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.96%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide as high a level of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">current income as is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with prudent </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment risk</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Short-Term Bond </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">T. Rowe Price </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.40%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.20%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.40%</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide as high a level of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">total return consistent </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">with prudent investment </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">risk; a secondary </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">objective is to seek </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">preservation of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">shareholders’ capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Select Bond Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Allspring Global </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investments, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.31%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.45%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-0.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.25%</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Maximum total return, </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">preservation of capital </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">and prudent investment </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">management</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Long-Term U.S. </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Government Bond </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Pacific Investment </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.45%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-7.18%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-0.19%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Pursue total return using </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">a strategy that seeks to </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">protect against U.S. </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">inflation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Inflation Managed </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> (formerly </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">“Inflation Protection </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">American Century </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Management, </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.46%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.92%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.82%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">High current income and </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">High Yield Bond </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Federated Investment </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.46%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.49%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">4.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.95%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Maximum total return, </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with prudent </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment management</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Multi-Sector Bond </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Pacific Investment </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.75%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.66%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">4.56%</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Realize as high a level of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">total return as is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">conservative investment </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">risk, through income and </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">secondarily through </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Active/Passive </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Conservative Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.54%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:63pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Realize as high a level of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">total return as is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">reasonable investment </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">risk through appreciation </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">and income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Active/Passive Balanced </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> (formerly </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">“Balanced Portfolio”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.44%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">4.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.76%</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Realize as high a level of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">total return as is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with moderate </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment risk through </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation and </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">secondarily through </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Active/Passive Moderate </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> (formerly </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">“Asset Allocation </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.49%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.46%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.36%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.21%</span></div></div></td></tr> <tr style="height:61pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Realize as high a level of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">total return as is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with aggressive </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment risk, primarily </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">through appreciation and </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">some income </span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Active/Passive </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Aggressive Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.60%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</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:523pt;"> <tr style="height:30pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:108.23pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Investment</span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Objective</span></div></div></td> <td colspan="2" rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:238.90pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Portfolio and Adviser/</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Sub-adviser (if applicable)</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:48pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:127.85pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Average Annual</span></div> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Total Returns</span></div> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:44.36pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:44.36pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">5 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:39.13pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">10 Year</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Active/Passive Very </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Aggressive Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">(formerly “Active/Passive </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">All Equity Portfolio”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.63%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Growth of capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Growth Fund - Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(CRMC)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">20.24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">13.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Global Growth Fund - </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.65%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">21.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term capital </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS New </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">World Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> - Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.82%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">28.27%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.32%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide as high a level of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">current income as is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">preservation of capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS The </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Bond Fund of America</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> - </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.47%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-0.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:53pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide, over the long </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">term, a high level of total </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">return consistent with </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">prudent investment </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">management </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Capital World Bond </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> - Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.73%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.31%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-2.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide a high level of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">current income; a </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">secondary objective is </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American High-Income </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Trust</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> - Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">CRMC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.62%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Seek to match the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">performance of the MSCI </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">EAFE Index in U.S. dollars </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">with net dividends as </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">closely as possible before </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">deduction of fund </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">expenses</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">BlackRock International </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Index V.I. Fund - Class I</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.27%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">31.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.88%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.18%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Maximize total return, </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with income </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">generation and prudent </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment management</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">BlackRock Total Return </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">V.I. Fund - Class I</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">BlackRock Advisors, LLC/</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">BlackRock International </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Limited &amp; BlackRock </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(Singapore) Limited</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;line-height:9.20pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.43%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-0.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.18%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Total return</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Cantor Fitzgerald </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Commodity Return </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Strategy Portfolio – Class </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">7</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">O’Connor Alternative </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investments, LLC</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;position:relative;top:-2.5pt;"> </span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.80%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">15.68%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.61%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term capital </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Columbia VP Small Cap </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Value Discovery Fund - </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Class 1</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">9</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">(formerly “VP </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Small Cap Value Fund”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Columbia Management </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.91%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.48%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">11.48%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP Mid Cap </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio – Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Research Company LLC </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(FMR)</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">11</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">11.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.59%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term capital </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Contrafund</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">SM </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio – </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FMR</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">11</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">21.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">15.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">15.78%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP Value </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Strategies Portfolio - </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FMR</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">11</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.82%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP Health Care </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio - Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FMR</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">11</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.39%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">4.18%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.75%</span></div></div></td></tr> <tr style="height:21pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital appreciation</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP Technology </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio - Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FMR</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">11</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.56%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">23.36%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">16.83%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">23.76%</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:523pt;"> <tr style="height:30pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:108.23pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Investment</span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Objective</span></div></div></td> <td colspan="2" rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:238.90pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Portfolio and Adviser/</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Sub-adviser (if applicable)</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:48pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:127.85pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Average Annual</span></div> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Total Returns</span></div> <div style="margin-left:8.48pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:44.36pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">1 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:44.36pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">5 Year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Middle;width:39.13pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">10 Year</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Seek to provide </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment results that </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">correspond to the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">aggregate price and </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">interest performance of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">debt securities in the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Bloomberg U.S. Aggregate </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Bond Index</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP Bond Index </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio - Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FMR</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;position:relative;top:-2.5pt;"> </span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">11</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-0.57%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">N/A</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">John Hancock Disciplined </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Value International Trust </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">- Series NAV</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">12</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">John Hancock Variable Trust </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Advisers LLC/Boston Partners </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Global Investors, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">41.02%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.97%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term capital </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation and current </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">John Hancock Real Estate </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Securities Trust - Series </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">NAV</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">12</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">John Hancock Variable Trust </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Advisers LLC/Wellington </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company LLP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.76%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.77%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.91%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">High level of current </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">John Hancock Strategic </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Income Opportunities </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Trust - Series NAV</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">12</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">John Hancock Variable Trust </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Advisers LLC/Manulife </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Management </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(US) LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.74%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.61%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">3.26%</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital by investing </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">primarily in securities of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">companies that meet the </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolio’s environmental, </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">social and governance </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">criteria</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Quality Equity Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">13</span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">(formerly “Sustainable </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Equity Portfolio”)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Neuberger Berman </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Advisers LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.87%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">13.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.94%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">U.S. Strategic Equity </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Russell Investment </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management LLC (RIM)</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.87%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">10.66%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.45%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">U.S. Small Cap Equity </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.06%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.34%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.98%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Current income and long-</span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">term growth of capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Global Real Estate </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Securities Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">2.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">3.57%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">International Developed </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Markets Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.95%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">28.64%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.51%</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide total return</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Strategic Bond Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.65%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">7.35%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">-1.07%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">1.77%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Current income and </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">moderate long-term </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital appreciation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">LifePoints</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> Variable </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Target Portfolio Series </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Moderate Strategy </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.83%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">12.24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">3.96%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">5.05%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Above-average long-term </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital appreciation and a </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">moderate level of current </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">LifePoints</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Variable </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Target Portfolio Series </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Balanced Strategy Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.89%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">14.96%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.39%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">6.88%</span></div></div></td></tr> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">High long-term capital </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation; and as a </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">secondary objective, </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">current income</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">LifePoints</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> Variable </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Target Portfolio Series </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Aggressive Strategy </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.95%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">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:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">17.45%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.56%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">8.59%</span></div></div></td></tr> <tr style="height:41pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:108.23pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">High long-term capital </span></div> <div style="margin-left:3pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:113.45pt;"> <div style="line-height:8.50pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">LifePoints</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> Variable </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Target Portfolio Series </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Equity Aggressive </span></div> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Strategy Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:125.45pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">15</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:48pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0.98%</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.48pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">18.47%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:44.36pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.48pt;margin-right:8.47pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.53%</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:39.13pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:8.47pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">9.23%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">1 Year</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital; current income is </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">a secondary objective</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Growth Stock Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Mason Street Advisors, LLC </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(MSA)</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">T. Rowe Price </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Associates, Inc.</span> 0.0042 0.1940 0.1199 0.1480 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Focused Appreciation </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Loomis, Sayles &amp; </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Company, L.P.</span> 0.0058 0.1491 0.1489 0.1707 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital and income</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Large Cap Core Stock </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Wellington </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company LLP</span> 0.0043 0.1659 0.1270 0.1396 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital and income</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Large Cap Blend </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">J.P. Morgan Investment </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management, Inc.</span> 0.0070 0.1434 0.1177 0.1198 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment results that </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">approximate the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">performance of the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard &amp; Poor’s 500</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">® </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Composite Stock Price </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Index</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Index 500 Stock </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">BlackRock Advisors, LLC</span> 0.0019 0.1764 0.1419 0.1458 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital; income is a </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">secondary objective</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Large Company Value </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">American Century </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Management, </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Inc.</span> 0.0074 0.1458 0.0985 0.0948 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital and income</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Domestic Equity </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Putnam Investment </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management, LLC</span> 0.0050 0.1443 0.0863 0.0887 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital and income</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Equity Income Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">T. Rowe Price </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Associates, Inc.</span> 0.0057 0.1448 0.1131 0.1064 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Mid Cap Growth Stock </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">J.P. Morgan Investment </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management, Inc.</span> 0.0054 0.0832 0.0251 0.0781 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment results that </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">approximate the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">performance of the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard &amp; Poor’s </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MidCap 400</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> Stock Price </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Index</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Index 400 Stock </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Northern Trust </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investments, Inc.</span> 0.0024 0.0724 0.0885 0.1044 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital; current income is </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">a secondary objective</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Mid Cap Value Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">American Century </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Management, </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Inc.</span> 0.0071 0.0916 0.0896 0.0925 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Small Cap Growth Stock </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Wellington </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company LLP</span> 0.0056 0.0693 0.0129 0.0882 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment results that </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">approximate the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">performance of the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Standard &amp; Poor’s </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">SmallCap 600</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> Index</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Index 600 Stock </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Northern Trust </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investments, Inc.</span> 0.0026 0.0578 0.0698 0.0948 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Small Cap Value </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">T. Rowe Price </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Management, </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Inc.</span> 0.0087 0.0741 0.0622 0.0915 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">International Growth </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FIAM LLC</span> 0.0061 0.1870 0.0611 0.0907 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital appreciation</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Research International </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Core Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Massachusetts </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Financial Services Company</span> 0.0058 0.2298 0.0589 0.0781 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital and income </span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">International Equity </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Dodge &amp; Cox</span> 0.0068 0.3835 0.1031 0.0665 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital appreciation</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Emerging Markets Equity </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">abrdn Investments </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Limited</span> 0.0078 0.3419 0.0126 0.0695 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Maximum current income </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">to the extent consistent </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">with liquidity and stability </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">of capital</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">3</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Government Money </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Market Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2,4</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">BlackRock Advisors, LLC</span> 0.0033 0.0403 0.0303 0.0196 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide as high a level of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">current income as is </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with prudent </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment risk</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Short-Term Bond </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">T. Rowe Price </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Associates, Inc.</span> 0.0040 0.0570 0.0220 0.0240 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide as high a level of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">total return consistent </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">with prudent investment </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">risk; a secondary </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">objective is to seek </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">preservation of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">shareholders’ capital</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Select Bond Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Allspring Global </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investments, LLC</span> 0.0031 0.0745 -0.0019 0.0225 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Maximum total return, </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">preservation of capital </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">and prudent investment </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">management</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Long-Term U.S. </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Government Bond </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Pacific Investment </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company LLC</span> 0.0245 0.0615 -0.0718 -0.0019 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Pursue total return using </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">a strategy that seeks to </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">protect against U.S. </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">inflation</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Inflation Managed </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> (formerly </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">“Inflation Protection </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio”)</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">American Century </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Management, </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Inc.</span> 0.0046 0.0651 0.0092 0.0282 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">High current income and </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital appreciation</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">High Yield Bond </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Federated Investment </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company</span> 0.0046 0.0849 0.0406 0.0595 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Maximum total return, </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with prudent </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment management</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Multi-Sector Bond </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Pacific Investment </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company LLC</span> 0.0075 0.1000 0.0166 0.0456 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Realize as high a level of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">total return as is </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">conservative investment </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">risk, through income and </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">secondarily through </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital appreciation</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Active/Passive </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Conservative Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> 0.0054 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Realize as high a level of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">total return as is </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">reasonable investment </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">risk through appreciation </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">and income</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Active/Passive Balanced </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> (formerly </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">“Balanced Portfolio”)</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> 0.0044 0.1219 0.0471 0.0676 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Realize as high a level of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">total return as is </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with moderate </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment risk through </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation and </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">secondarily through </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">income</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Active/Passive Moderate </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> (formerly </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">“Asset Allocation </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio”)</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> 0.0049 0.1446 0.0636 0.0821 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Realize as high a level of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">total return as is </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with aggressive </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment risk, primarily </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">through appreciation and </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">some income </span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Active/Passive </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Aggressive Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> 0.0060 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Active/Passive Very </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Aggressive Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">(formerly “Active/Passive </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">All Equity Portfolio”)</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">MSA</span> 0.0063 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Growth of capital</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Growth Fund - Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital Research and </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(CRMC)</span> 0.0058 0.2024 0.1337 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Global Growth Fund - </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">CRMC</span> 0.0065 0.2163 0.0824 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term capital </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS New </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">World Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> - Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">CRMC</span> 0.0082 0.2827 0.0532 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide as high a level of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">current income as is </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">preservation of capital</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS The </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Bond Fund of America</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> - </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">CRMC</span> 0.0047 0.0724 -0.0014 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide, over the long </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">term, a high level of total </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">return consistent with </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">prudent investment </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">management </span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Capital World Bond </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> - Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">CRMC</span> 0.0073 0.0931 -0.0250 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide a high level of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">current income; a </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">secondary objective is </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital appreciation</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American Funds</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> IS </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">American High-Income </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Trust</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> - Class 1A</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">CRMC</span> 0.0062 0.0819 0.0559 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Seek to match the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">performance of the MSCI </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">EAFE Index in U.S. dollars </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">with net dividends as </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">closely as possible before </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">deduction of fund </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">expenses</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">BlackRock International </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Index V.I. Fund - Class I</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">BlackRock Advisors, LLC</span> 0.0027 0.3137 0.0888 0.0818 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Maximize total return, </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">consistent with income </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">generation and prudent </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment management</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">BlackRock Total Return </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">V.I. Fund - Class I</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">6</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">BlackRock Advisors, LLC/</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">BlackRock International </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Limited &amp; BlackRock </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(Singapore) Limited</span> 0.0043 0.0800 -0.0037 0.0218 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Total return</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Cantor Fitzgerald </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Commodity Return </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Strategy Portfolio – Class </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">7</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">O’Connor Alternative </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investments, LLC</span> 0.0080 0.1568 0.1061 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term capital </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Columbia VP Small Cap </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Value Discovery Fund - </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Class 1</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">9</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">(formerly “VP </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Small Cap Value Fund”)</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Columbia Management </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Advisers, LLC</span> 0.0091 0.1499 0.1248 0.1148 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP Mid Cap </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio – Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Fidelity Management &amp; </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Research Company LLC </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(FMR)</span> 0.0055 0.1175 0.1010 0.1059 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term capital </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation </span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Contrafund</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">SM </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio – </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FMR</span> 0.0054 0.2152 0.1537 0.1578 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital appreciation</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP Value </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Strategies Portfolio - </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FMR</span> 0.0059 0.0799 0.1214 0.1082 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital appreciation</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP Health Care </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio - Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FMR</span> 0.0059 0.1439 0.0418 0.0875 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Capital appreciation</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP Technology </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio - Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FMR</span> 0.0056 0.2336 0.1683 0.2376 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Seek to provide </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">investment results that </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">correspond to the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">aggregate price and </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">interest performance of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">debt securities in the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Bloomberg U.S. Aggregate </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Bond Index</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fidelity</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> VIP Bond Index </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Portfolio - Initial Class</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">10</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">FMR</span> 0.0014 0.0698 -0.0057 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">John Hancock Disciplined </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Value International Trust </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">- Series NAV</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">12</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">John Hancock Variable Trust </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Advisers LLC/Boston Partners </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Global Investors, Inc.</span> 0.0079 0.4102 0.1270 0.0897 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term capital </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation and current </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">income</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">John Hancock Real Estate </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Securities Trust - Series </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">NAV</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">12</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">John Hancock Variable Trust </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Advisers LLC/Wellington </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management Company LLP</span> 0.0076 0.0063 0.0577 0.0591 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">High level of current </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">income</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">John Hancock Strategic </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Income Opportunities </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Trust - Series NAV</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">12</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">John Hancock Variable Trust </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Advisers LLC/Manulife </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Management </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">(US) LLC</span> 0.0074 0.0751 0.0161 0.0326 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital by investing </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">primarily in securities of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">companies that meet the </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Portfolio’s environmental, </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">social and governance </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">criteria</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Quality Equity Portfolio</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">13</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">(formerly “Sustainable </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Equity Portfolio”)</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Neuberger Berman </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Investment Advisers LLC</span> 0.0087 0.1371 0.1283 0.1294 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">U.S. Strategic Equity </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Russell Investment </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Management LLC (RIM)</span> 0.0087 0.1443 0.1066 0.1245 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">U.S. Small Cap Equity </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span> 0.0106 0.0834 0.0715 0.0898 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Current income and long-</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">term growth of capital</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Global Real Estate </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Securities Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span> 0.0090 0.0859 0.0255 0.0357 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Long-term growth of </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">International Developed </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Markets Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span> 0.0095 0.2864 0.0853 0.0751 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Provide total return</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Strategic Bond Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span> 0.0065 0.0735 -0.0107 0.0177 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Current income and </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">moderate long-term </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital appreciation</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">LifePoints</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> Variable </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Target Portfolio Series </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Moderate Strategy </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span> 0.0083 0.1224 0.0396 0.0505 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Above-average long-term </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">capital appreciation and a </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">moderate level of current </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">income</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">LifePoints</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;line-height:8.50pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Variable </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Target Portfolio Series </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Balanced Strategy Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span> 0.0089 0.1496 0.0639 0.0688 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">High long-term capital </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation; and as a </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">secondary objective, </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">current income</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">LifePoints</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> Variable </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Target Portfolio Series </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Aggressive Strategy </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span> 0.0095 0.1745 0.0856 0.0859 <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">High long-term capital </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">appreciation</span> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">LifePoints</span><span style="color:#000000;font-family:Arial;font-size:4.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-6.25pt;">®</span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;"> Variable </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Target Portfolio Series </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Equity Aggressive </span><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Strategy Fund</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">14</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">RIM</span> 0.0098 0.1847 0.0953 0.0923 <span style="color:#000000;font-family:Arial;font-size:7.36pt;">This reflects an expense reimbursement and/or fee waiver arrangement that is in place and reported in the Portfolio’s registration statement. This agreement </span><span style="color:#000000;font-family:Arial;font-size:7.36pt;">may be terminated in the future and, therefore, the expense figures shown reflect temporary fee reductions.</span>