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2026-04-29 pure iso4217:USD 2026-04-29 N-4 N-4 Modern Woodmen of America Variable Annuity Account <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="15" style="padding:0pt .7pt 2pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 1766px; text-align: center;" valign="bottom"> Fees, Expenses, and Adjustments </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 2pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 299px; text-align: center;" valign="bottom"> Location in Prospectus </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 300px; text-align: left;" valign="top"> <div style="-keep: true"> Are There Charges or Adjustments for Early Withdrawals? </div> </td> <td colspan="1"> </td> <td colspan="11" style="padding:4.5pt .7pt 6pt 0pt; width: 1458px; text-align: left;" valign="top"> Yes. If you withdraw money from your Certificate within the first eight years after you purchase the Certificate, you may be assessed a surrender charge of up to 8% of the amount withdrawn. For example, assuming no gain or loss in the Accumulated Value, if you make a withdrawal in the first Certificate Year, you could pay a surrender charge of up to $8,000 on a $100,000 investment. Your loss will be greater if you also have to pay income taxes, including an additional tax if you are younger than age 591/2. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 299px; text-align: left;" valign="top"> Charges and Deductions— Surrender Charge (Contingent Deferred Sales Charge) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 300px; text-align: left;" valign="top"> <div style="-keep: true"> Are There Transaction Charges? </div> </td> <td colspan="1"> </td> <td colspan="11" style="padding:4.5pt .7pt 6pt 0pt; width: 1458px; text-align: left;" valign="top"> Yes. In addition to surrender charges, you may also be charged for other transactions. Transfer Processing Fee. Currently, we do not assess a charge to transfer Accumulated Value among the Subaccounts and between the Subaccounts and the Declared Interest Option for the first 12 transfers during the Certificate Year. However, we reserve the right to charge $25 per transfer in excess of 12 in a single Certificate Year. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 299px; text-align: left;" valign="top"> Charges and Deductions— Transfer Processing Fee </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 300px; text-align: left;" valign="top"> <div style="-keep: true"> Are There Ongoing Fees and Expenses? </div> </td> <td colspan="1"> </td> <td colspan="11" style="padding:4.5pt .7pt 6pt 0pt; width: 1458px; text-align: left;" valign="top"> Yes. The table below describes the fees and expenses that you may pay each year, depending on the Investment Options you choose. Please refer to your Certificate specifications page, the prospectus and the Funds' prospectuses for information about the specific fees you will pay each year based on the options you have elected. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 299px; text-align: left;" valign="top"> Charges and Deductions </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 6pt 0pt; width: 300px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 6pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 620px; text-align: center;" valign="bottom"> Annual Fee </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 6pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 415px; text-align: center;" valign="bottom"> Minimum </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 6pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 415px; text-align: center;" valign="bottom"> Maximum </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 6pt 0pt; width: 299px;" valign="bottom"> </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 284px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 620px; text-align: left;" valign="top"> Base Certificate </td> <td colspan="1"> </td> <td colspan="1" style="padding:4pt .7pt 6pt 0pt; width: 344px;" valign="top"> </td> <td colspan="1" style="padding:4pt .7pt 6pt 0pt; width: 63px; text-align: right;" valign="top"> 1.11%(1) </td> <td colspan="1" style="padding:4pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="1" style="padding:4pt .7pt 6pt 0pt; width: 344px;" valign="top"> </td> <td colspan="1" style="padding:4pt .7pt 6pt 0pt; width: 63px; text-align: right;" valign="top"> 1.11%(1) </td> <td colspan="1" style="padding:4pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 299px;" valign="top"> </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 6pt 0pt; width: 284px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 6pt 0pt; width: 620px; text-align: left;" valign="top"> Fund fees and expenses </td> <td colspan="1"> </td> <td colspan="1" style="padding:0pt .7pt 6pt 0pt; width: 344px;" valign="top"> </td> <td colspan="1" style="padding:0pt .7pt 6pt 0pt; width: 63px; text-align: right;" valign="top"> 0.09%(2) </td> <td colspan="1" style="padding:0pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="1" style="padding:0pt .7pt 6pt 0pt; width: 344px;" valign="top"> </td> <td colspan="1" style="padding:0pt .7pt 6pt 0pt; width: 63px; text-align: right;" valign="top"> 1.12%(2) </td> <td colspan="1" style="padding:0pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="3" style="padding:0pt .7pt 6pt 0pt; width: 299px;" valign="top"> </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 6pt 0pt; width: 300px;" valign="top"> </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 6pt 0pt; width: 1458px; text-align: left;" valign="top"> (1) We calculate the Base Certificate fee by dividing the total amount we received from the annual administrative charge and mortality and expense risk charge for the last fiscal year by the total average net assets attributable to the Certificates for that year. (2) As a percentage of Fund assets. </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 6pt 0pt; width: 299px;" valign="top"> </td> <td colspan="1"> </td> </tr> </table> Fees, Expenses, and Adjustments Location in Prospectus <div style="-keep: true"> Because your Certificate is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Certificate, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Certificate, which could add surrender charges that substantially increase costs. </div> Lowest Annual Cost: $1,490 Highest Annual Cost: $2,520 Assumes: ● Investment of $100,000 ● 5% annual appreciation ● Least expensive Investment Option fees and expenses ● No optional benefits ● No sales charges ● No additional purchase payments, transfers, or withdrawals Assumes: ● Investment of $100,000 ● 5% annual appreciation ● Most expensive Investment Option fees and expenses ● No optional benefits ● No sales charges ● No additional purchase payments, transfers, or withdrawals Are There Charges or Adjustments for Early Withdrawals? Yes. If you withdraw money from your Certificate within the first eight years after you purchase the Certificate, you may be assessed a surrender charge of up to 8% of the amount withdrawn. For example, assuming no gain or loss in the Accumulated Value, if you make a withdrawal in the first Certificate Year, you could pay a surrender charge of up to $8,000 on a $100,000 investment. Your loss will be greater if you also have to pay income taxes, including an additional tax if you are younger than age 591/2. Charges and Deductions— Surrender Charge (Contingent Deferred Sales Charge) 8 0.08 8000 Are There Transaction Charges? Yes. In addition to surrender charges, you may also be charged for other transactions. Transfer Processing Fee. Currently, we do not assess a charge to transfer Accumulated Value among the Subaccounts and between the Subaccounts and the Declared Interest Option for the first 12 transfers during the Certificate Year. However, we reserve the right to charge $25 per transfer in excess of 12 in a single Certificate Year. Charges and Deductions— Transfer Processing Fee 25 Are There Ongoing Fees and Expenses? Yes. The table below describes the fees and expenses that you may pay each year, depending on the Investment Options you choose. Please refer to your Certificate specifications page, the prospectus and the Funds' prospectuses for information about the specific fees you will pay each year based on the options you have elected. Charges and Deductions Annual Fee Minimum Maximum Base Certificate 1.11%(1) 1.11%(1) Fund fees and expenses 0.09%(2) 1.12%(2) (1) We calculate the Base Certificate fee by dividing the total amount we received from the annual administrative charge and mortality and expense risk charge for the last fiscal year by the total average net assets attributable to the Certificates for that year. (2) As a percentage of Fund assets.Because your Certificate is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Certificate, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Certificate, which could add surrender charges that substantially increase costs. Lowest Annual Cost: $1,490 Highest Annual Cost: $2,520 Assumes: ● Investment of $100,000 ● 5% annual appreciation ● Least expensive Investment Option fees and expenses ● No optional benefits ● No sales charges ● No additional purchase payments, transfers, or withdrawals Assumes: ● Investment of $100,000 ● 5% annual appreciation ● Most expensive Investment Option fees and expenses ● No optional benefits ● No sales charges ● No additional purchase payments, transfers, or withdrawals 0.0111 0.0111 0.0009 0.0112 We calculate the Base Certificate fee by dividing the total amount we received from the annual administrative charge and mortality and expense risk charge for the last fiscal year by the total average net assets attributable to the Certificates for that year. As a percentage of Fund assets. Because your Certificate is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Certificate, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Certificate, which could add surrender charges that substantially increase costs. Lowest Annual Cost: $1,490 Highest Annual Cost: $2,520 Assumes: ● Investment of $100,000 ● 5% annual appreciation ● Least expensive Investment Option fees and expenses ● No optional benefits ● No sales charges ● No additional purchase payments, transfers, or withdrawals Assumes: ● Investment of $100,000 ● 5% annual appreciation ● Most expensive Investment Option fees and expenses ● No optional benefits ● No sales charges ● No additional purchase payments, transfers, or withdrawals 1490 2520 Risks Location in Prospectus <div style="-keep: true"> Is There a Risk of Loss from Poor Performance? </div> Yes. You can lose money by investing in this Certificate, including loss of principal. <div style="-keep: true"> Principal Risks of Investing in the Certificate </div> <div style="-keep: true"> Is this a Short-Term Investment? </div> No. This Certificate is not designed for short-term investment and is not appropriate for an investor who needs ready access to cash. Surrender charges apply for up to eight years after you purchase the Certificate. It will reduce the value of your Certificate if you withdraw money during that time. You may also have to pay income taxes on amounts withdrawn from the Certificate, including an additional tax if you are younger than age 591/2. The benefits of tax deferral also means the Certificate is more beneficial to investors with a long time horizon. <div style="-keep: true"> Principal Risks of Investing in the Certificate </div> <div style="-keep: true"> What Are the Risks Associated with the Investment Options? </div> ● An investment in this Certificate is subject to the risk of poor investment performance and can vary depending on the performance of the Funds available under the Certificate. ● Each Fund and the Declared Interest Option has its own unique risks. ● You should review the prospectuses for the available Funds before making an investment decision. Principal Risks of Investing in the Certificate Appendix A: Investment Options Available Under the Certificate Risks Location in Prospectus <div style="-keep: true"> What Are the Risks Related to the Insurance Company? </div> An investment in the Certificate is subject to the risks related to the Society. Any obligations (including under the Declared Interest Option), guarantees, or benefits are subject to the claims-paying ability of the Society. More information about the Society, including its financial strength ratings, is available upon request by calling the Variable Product Administrative Center at 1-866-628-6776 or emailing VPACServices@modern-woodmen.org. Principal Risks of Investing in the Certificate Is There a Risk of Loss from Poor Performance? Yes. You can lose money by investing in this Certificate, including loss of principal. Principal Risks of Investing in the Certificate Is this a Short-Term Investment? No. This Certificate is not designed for short-term investment and is not appropriate for an investor who needs ready access to cash. Surrender charges apply for up to eight years after you purchase the Certificate. It will reduce the value of your Certificate if you withdraw money during that time. You may also have to pay income taxes on amounts withdrawn from the Certificate, including an additional tax if you are younger than age 591/2. The benefits of tax deferral also means the Certificate is more beneficial to investors with a long time horizon. Principal Risks of Investing in the Certificate What Are the Risks Associated with the Investment Options? ● An investment in this Certificate is subject to the risk of poor investment performance and can vary depending on the performance of the Funds available under the Certificate. ● Each Fund and the Declared Interest Option has its own unique risks. ● You should review the prospectuses for the available Funds before making an investment decision. Principal Risks of Investing in the Certificate Appendix A: Investment Options Available Under the Certificate What Are the Risks Related to the Insurance Company? An investment in the Certificate is subject to the risks related to the Society. Any obligations (including under the Declared Interest Option), guarantees, or benefits are subject to the claims-paying ability of the Society. More information about the Society, including its financial strength ratings, is available upon request by calling the Variable Product Administrative Center at 1-866-628-6776 or emailing VPACServices@modern-woodmen.org. Principal Risks of Investing in the Certificate Are There Restrictions on the Investment Options? Yes. ● You may only be invested in up to sixteen Investment Options at any one time, including the Declared Interest Option. ● Each premium payment you submit may be directed to a maximum of 10 Investment Options, including the Declared Interest Option. ● The Declared Interest Option may not be available under your Certificate, depending on when your Certificate was issued and the state in which your Certificate was issued. ● You cannot transfer more than 25% of the Declared Interest Option Accumulated Value from the Declared Interest Option at one time, unless the balance after transfer would be less than $1,000. ● Currently, there is no charge when you transfer Accumulated Value among Subaccounts and between the Subaccounts and the Declared Interest Option. However, the Society reserves the right to charge $25 per transfer in excess of 12 in a single Certificate Year. ● The Society reserves the right to remove or substitute Investment Options that are available under the Certificate. ● The Society reserves the right to change the method of crediting interest to the Declared Interest Option, provided such changes do not have the effect of reducing the interest rate below the guaranteed minimum interest rate under the Certificate or shortening the period for which the current interest rate applies to less than a Certificate Year. ● If mandated under applicable law, the Society may be required to reject a premium payment. The Society, Account and Investment Options— Investment Options The Declared Interest Option The Declared Interest Option— Transfers from Declared Interest Option Charges and Deductions— Transfer Processing Fee The Society, Account and Investment Options— Addition, Deletion or Substitution of Investments Are There any Restrictions on Contract Benefits? Yes. ● The Dollar Cost Averaging Program cannot be utilized in combination with the Automatic Rebalancing or Systematic Withdrawal Programs. ● The Interest Sweep Program may not be available under your Certificate, depending on when your Certificate was issued and the state in which your Certificate was issued. ● We reserve the right to discontinue the Interest Sweep Program if your balance in the Declared Interest Option is less than $5,000. ● The Incremental Death Benefit Rider is not available if the Annuitant's age on the Issue Date is 71 or over, and is not available under Certificates issued in Washington. ● Withdrawals may reduce the death benefit by more than the amount withdrawn, and could eliminate the incremental death benefit. ● We may discontinue or modify any of the optional benefits at any time prior to the time you elect. Description of Annuity Certificate Benefits Available Under the Certificate What Are the Contract's Tax Implications? ● You should consult with a tax professional to determine the tax implications of an investment in and purchase payments received under the Certificate. ● There is no additional tax benefit if you purchase the Certificate through a qualified retirement plan or individual retirement account (IRA). ● Earnings on your Certificate are generally taxed at ordinary income tax rates when you withdraw them, and you may have to pay a 10% additional tax if you take a withdrawal before age 591/2. Federal Tax Matters 0.10 How Are Investment Professionals Compensated? Your registered representative may receive compensation for selling this Certificate to you in the form of commissions. If your registered representative is also a Society insurance agent, they are also eligible for certain cash and non-cash benefits from us. Cash compensation includes bonuses, insurance benefits, and financing arrangements. Non-cash compensation includes conferences, seminars and trips (including travel, lodging and meals in connection therewith), entertainment, merchandise, and other similar items. Sales of the Certificates may help the registered representative and/or their managers qualify for such benefits. In addition, registered representatives who meet certain Society productivity, persistency and length of service standards and/or their managers may be eligible for additional compensation. Registered representatives and managers may receive other payments from us for services that do not directly involve the sale of the Certificates, including payments made for the recruitment and training of personnel, production of promotional literature and similar services. These conflicts of interest may influence your registered representative to offer or recommend this Certificate over another investment. Distribution of the Certificates Should I Exchange My Contract? Some investment professionals may have a financial incentive to offer you a new contract in place of a contract you already own. You should only exchange your current contract if you determine, after comparing the features, fees, and risks of both contracts, and any fees or penalties to terminate your existing contract, that it is better for you to purchase the new contract rather than continue to own your existing contract. N/A <div style="margin:8pt 0pt 8pt 0pt;"> FEE TABLES The following tables describe the fees and expenses that are payable when buying, owning and surrendering or making withdrawals from the Certificate. Please refer to your Certificate specifications page for information about the specific fees you will pay each year based on the options you have elected. The first table describes the fees and expenses that you will pay at the time that you buy the Certificate, surrender or make withdrawals from the Certificate, or transfer Accumulated Value among the Subaccounts and the Declared Interest Option. State premium taxes may also be deducted. <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 256px; text-align: left;" valign="bottom"> Transaction Expenses</td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 107px; text-align: center;" valign="bottom"> Guaranteed Maximum Charge</td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 121px; text-align: center;" valign="bottom"> Current Charge</td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 0pt 0pt; width: 256px; background-color: #cceeff; text-align: left;" valign="bottom"> Surrender Charge (as a percentage of amount withdrawn or surrendered)(1) </td> <td colspan="1" style="background-color: #cceeff;"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 74px; background-color: #cceeff; text-align: right;" valign="bottom"> 8</td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 25px; background-color: #cceeff; text-align: left;" valign="bottom"> %</td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 88px; background-color: #cceeff; text-align: right;" valign="bottom"> 8</td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 25px; background-color: #cceeff; text-align: left;" valign="bottom"> %</td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 0pt 0pt; width: 256px; text-align: left;" valign="bottom"> Transfer Processing Fee(2) </td> <td colspan="1"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 8px;" valign="bottom"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 74px; text-align: right;" valign="bottom"> $25</td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 25px;" valign="bottom"> </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 8px;" valign="bottom"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 88px; text-align: right;" valign="bottom"> $25</td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 25px;" valign="bottom"> </td> <td colspan="1" style="width: 8px;"> </td> </tr> </table> (1) The surrender charge is only assessed during the first eight Certificate Years. The surrender charge declines 1% annually to 0% in the ninth Certificate Year. You may annually withdraw a maximum of 10% of the Accumulated Value calculated as of the most recent prior Certificate Anniversary without incurring a surrender charge. This amount is not cumulative from Certificate Year to Certificate Year. We may waive this charge under certain circumstances. (See "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)—Amounts Not Subject to Surrender Charge.") (2) We do not assess transfer processing fees for the first twelve (12) transfers in a Certificate Year, but we may impose a charge of $25 for the thirteenth (13th) and each subsequent transfer during a Certificate Year. The next table describes the fees and expenses that you will pay each year during the time that you own your Certificate, not including Fund fees and expenses. <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 256px; text-align: left;" valign="bottom"> Annual Certificate Expenses</td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 107px; text-align: center;" valign="bottom"> Guaranteed Maximum Charge</td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 121px; text-align: center;" valign="bottom"> Current Charge</td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 0pt 0pt; width: 256px; background-color: #cceeff; text-align: left;" valign="bottom"> Administrative Expenses (includes Annual Administrative Charge)(3) </td> <td colspan="1" style="background-color: #cceeff;"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 74px; background-color: #cceeff; text-align: right;" valign="bottom"> $45</td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 25px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 88px; background-color: #cceeff; text-align: right;" valign="bottom"> $30</td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 25px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 0pt 0pt; width: 256px; text-align: left;" valign="bottom"> Base Certificate Expenses (as a percentage of average variable Accumulated Value) (includes mortality and expense risk charge)</td> <td colspan="1"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 8px;" valign="bottom"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 74px; text-align: right;" valign="bottom"> 1.40</td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 25px; text-align: left;" valign="bottom"> %</td> <td colspan="1" style="width: 8px;"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 8px;" valign="bottom"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 88px; text-align: right;" valign="bottom"> 1.40</td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 25px; text-align: left;" valign="bottom"> %</td> <td colspan="1" style="width: 8px;"> </td> </tr> </table> (3) We currently deduct an annual administrative charge of $30 on the Issue Date and on each Certificate Anniversary prior to the Retirement Date and may waive the charge if your initial premium payment, or whenever your Accumulated Value on the most recent Certificate Anniversary, is $50,000 or greater. The next table shows the minimum and maximum total operating expenses charged by any of the Investment Options that you may pay periodically during the time that you own the Certificate. Expenses shown may change over time and may be higher or lower in the future. A complete list of Investment Options available under the Certificate, including their annual expenses, may be found at the back of this Prospectus. <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 325px; text-align: left;" valign="bottom"> Annual Investment Option Operating Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 81px; text-align: center;" valign="bottom"> Minimum </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 82px; text-align: center;" valign="bottom"> Maximum </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4pt .7pt 0pt 0pt; width: 325px; background-color: #cceeff; text-align: left;" valign="bottom"> Annual Investment Option Operating Expenses (expenses that are deducted from Investment Option assets, including management fees, distribution and/or service (12b-1) fees and other expenses)(4) </td> <td colspan="1" style="background-color: #cceeff;"> </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> 0.09 </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 25px; background-color: #cceeff; text-align: left;" valign="bottom"> % </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 49px; background-color: #cceeff; text-align: right;" valign="bottom"> 1.12 </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 25px; background-color: #cceeff; text-align: left;" valign="bottom"> % </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> <tr> <td colspan="3" style="padding:4pt .7pt 0pt 0pt; width: 325px; text-align: left;" valign="bottom"> Annual Investment Option Operating Expenses After Fee Waiver or Reimbursement(5) </td> <td colspan="1"> </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 8px;" valign="bottom"> </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 48px; text-align: right;" valign="bottom"> 0.09 </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 25px; text-align: left;" valign="bottom"> % </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 8px;" valign="bottom"> </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 49px; text-align: right;" valign="bottom"> 1.07 </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 25px; text-align: left;" valign="bottom"> % </td> <td colspan="1" style="width: 8px;"> </td> </tr> </table> (4) Some Investment Options may impose a redemption fee of up to 2% of the amount withdrawn to deter frequent trading activity. </div><div style="margin:8pt 0pt 8pt 0pt;"> <div style="-keep: true"> (5) The "Annual Investment Option Operating Expenses After Fee Waiver or Reimbursement" line in the above table shows the range of minimum and maximum fees and expenses based on the expenses of all Investment Options after taking into account fee waiver or expense reimbursement arrangements in place. Those arrangements are designed to reduce total annual portfolio operating expenses for Certificate Holders and will continue past the current year. </div> Examples The Examples are intended to help you compare the cost of investing in the variable Investment Options with the cost of investing in other annuity contracts that offer variable options. These costs include transaction expenses, the annual expenses, and Investment Option fees and expenses. The Examples assume all Accumulated Value is allocated to the variable Investment Options. Your costs could differ from those shown below if you invest in the Declared Interest Option. Each Example assumes that you invest $100,000 in the variable Investment Options for the time periods indicated. Each Example also assumes that your investment has a 5% return each year. The first and second Examples address the costs of investing in a Certificate issued on or after June 1, 2025. The third and fourth Examples address the costs of investing in a Certificate issued before June 1, 2025. Certificates Issued On or After June 1, 2025 Example 1 The first example immediately below assumes the maximum fees and expenses of any of the Investment Options as set forth in the Annual Investment Options Operating Expenses tables. Although your actual costs may be higher or lower, based on these assumptions, your costs would be: 1. If you surrender or annuitize your Certificate at the end of the applicable time period(1): <table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $8,976 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 12,592 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 16,292 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 28,207 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table> 2. If you do not surrender or annuitize at the end of the applicable time period: <table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $2,520 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 7,749 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 13,241 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 28,207 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table> Example 2 The second example immediately below assumes the minimum fees and expenses of any of the Investment Options as set forth in the Annual Investment Option Operating Expenses tables. Although your actual costs may be higher or lower, based on these assumptions, your costs would be: 1. If you surrender or annuitize your Certificate at the end of the applicable time period(1): <table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $8,011 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 9,619 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 11,200 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 17,488 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table> 2. If you do not surrender or annuitize at the end of the applicable time period: <table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $1,490 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 4,629 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 7,992 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 17,488 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table> </div><div style="margin:8pt 0pt 8pt 0pt;"> Certificates Issued Before June 1, 2025 Example 3 The third example immediately below assumes the maximum fees and expenses of any of the Investment Options as set forth in the Annual Investment Options Operating Expenses tables. Although your actual costs may be higher or lower, based on these assumptions, your costs would be: 1. If you surrender your Certificate or you annuitize at the end of the applicable time period and elect fixed settlement option 1: <table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $8,976 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 12,592 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 16,292 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 28,207 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table> 2. If you annuitize at the end of the applicable time period and elect fixed settlement option 2 or 4 with a one-year annuity payment period(2): <table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $8,054 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 11,624 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 15,275 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 28,207 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table> 3. If you do not surrender your Certificate or you annuitize at the end of the applicable time period and elect fixed settlement option 3 or 5, or a variable settlement option: <table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $2,520 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 7,749 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 13,241 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 28,207 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table> Example 4 The fourth example immediately below assumes the minimum fees and expenses of any of the Investment Options as set forth in the Annual Investment Option Operating Expenses tables. Although your actual costs may be higher or lower, based on these assumptions, your costs would be: 1. If you surrender your Certificate or you annuitize at the end of the applicable time period and elect fixed settlement option 1: <table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $8,011 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 9,619 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 11,200 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 17,488 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table> 2. If you annuitize at the end of the applicable time period and elect fixed settlement option 2 or 4 with a one-year annuity payment period(2): <table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $7,080 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 8,621 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 10,131 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 17,488 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table> 3. If you do not surrender your Certificate or you annuitize at the end of the applicable time period and elect fixed settlement option 3 or 5, or a variable settlement option: <table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $1,490 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 4,629 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 7,992 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 17,488 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table> (1) For Certificates issued on or after June 1, 2025 in the State of Florida, we do not apply a surrender charge if you elect to receive a life contingent settlement option, as described in "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)—Surrender Charge at the Retirement Date." For more information on the calculation of the surrender charge associated with a partial withdrawal or surrender, see "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)". </div><div style="margin:8pt 0pt 8pt 0pt;"> (2) Selection of an annuity payment period with a duration greater than one year would result in lower one-, three-, and five-year expense figures. In calculating the surrender charge that would apply in the case of annuitization under fixed payment option 2 or 4, the Society will add the number of years for which payments will be made under the annuity payment option selected to the number of Certificate Years since the Issue Date to determine the Certificate Year in which the surrender is deemed to occur for purposes of determining the surrender charge percentage that would apply upon annuitization. For more information on the calculation of the surrender charge on the Retirement Date, see "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)—Surrender Charge at the Retirement Date." For more information on the calculation of the surrender charge associated with a partial withdrawal or surrender, see "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)." </div> <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 256px; text-align: left;" valign="bottom"> Transaction Expenses</td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 107px; text-align: center;" valign="bottom"> Guaranteed Maximum Charge</td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 121px; text-align: center;" valign="bottom"> Current Charge</td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 0pt 0pt; width: 256px; background-color: #cceeff; text-align: left;" valign="bottom"> Surrender Charge (as a percentage of amount withdrawn or surrendered)(1) </td> <td colspan="1" style="background-color: #cceeff;"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 74px; background-color: #cceeff; text-align: right;" valign="bottom"> 8</td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 25px; background-color: #cceeff; text-align: left;" valign="bottom"> %</td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 88px; background-color: #cceeff; text-align: right;" valign="bottom"> 8</td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 25px; background-color: #cceeff; text-align: left;" valign="bottom"> %</td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 0pt 0pt; width: 256px; text-align: left;" valign="bottom"> Transfer Processing Fee(2) </td> <td colspan="1"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 8px;" valign="bottom"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 74px; text-align: right;" valign="bottom"> $25</td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 25px;" valign="bottom"> </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 8px;" valign="bottom"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 88px; text-align: right;" valign="bottom"> $25</td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 25px;" valign="bottom"> </td> <td colspan="1" style="width: 8px;"> </td> </tr> </table>(1) The surrender charge is only assessed during the first eight Certificate Years. The surrender charge declines 1% annually to 0% in the ninth Certificate Year. You may annually withdraw a maximum of 10% of the Accumulated Value calculated as of the most recent prior Certificate Anniversary without incurring a surrender charge. This amount is not cumulative from Certificate Year to Certificate Year. We may waive this charge under certain circumstances. (See "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)—Amounts Not Subject to Surrender Charge.")(2) We do not assess transfer processing fees for the first twelve (12) transfers in a Certificate Year, but we may impose a charge of $25 for the thirteenth (13th) and each subsequent transfer during a Certificate Year. 0.08 0.08 25 25 The surrender charge is only assessed during the first eight Certificate Years. The surrender charge declines 1% annually to 0% in the ninth Certificate Year. You may annually withdraw a maximum of 10% of the Accumulated Value calculated as of the most recent prior Certificate Anniversary without incurring a surrender charge. This amount is not cumulative from Certificate Year to Certificate Year. We may waive this charge under certain circumstances. (See "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)—Amounts Not Subject to Surrender Charge.") 8 <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 256px; text-align: left;" valign="bottom"> Annual Certificate Expenses</td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 107px; text-align: center;" valign="bottom"> Guaranteed Maximum Charge</td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 121px; text-align: center;" valign="bottom"> Current Charge</td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 0pt 0pt; width: 256px; background-color: #cceeff; text-align: left;" valign="bottom"> Administrative Expenses (includes Annual Administrative Charge)(3) </td> <td colspan="1" style="background-color: #cceeff;"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 74px; background-color: #cceeff; text-align: right;" valign="bottom"> $45</td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 25px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 88px; background-color: #cceeff; text-align: right;" valign="bottom"> $30</td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 25px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 0pt 0pt; width: 256px; text-align: left;" valign="bottom"> Base Certificate Expenses (as a percentage of average variable Accumulated Value) (includes mortality and expense risk charge)</td> <td colspan="1"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 8px;" valign="bottom"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 74px; text-align: right;" valign="bottom"> 1.40</td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 25px; text-align: left;" valign="bottom"> %</td> <td colspan="1" style="width: 8px;"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 8px;" valign="bottom"> </td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 88px; text-align: right;" valign="bottom"> 1.40</td> <td colspan="1" style="padding:4.5pt .7pt 0pt 0pt; width: 25px; text-align: left;" valign="bottom"> %</td> <td colspan="1" style="width: 8px;"> </td> </tr> </table>(3) We currently deduct an annual administrative charge of $30 on the Issue Date and on each Certificate Anniversary prior to the Retirement Date and may waive the charge if your initial premium payment, or whenever your Accumulated Value on the most recent Certificate Anniversary, is $50,000 or greater. 45 30 0.014 0.014 We currently deduct an annual administrative charge of $30 on the Issue Date and on each Certificate Anniversary prior to the Retirement Date and may waive the charge if your initial premium payment, or whenever your Accumulated Value on the most recent Certificate Anniversary, is $50,000 or greater. 30 <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 325px; text-align: left;" valign="bottom"> Annual Investment Option Operating Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 81px; text-align: center;" valign="bottom"> Minimum </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 82px; text-align: center;" valign="bottom"> Maximum </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4pt .7pt 0pt 0pt; width: 325px; background-color: #cceeff; text-align: left;" valign="bottom"> Annual Investment Option Operating Expenses (expenses that are deducted from Investment Option assets, including management fees, distribution and/or service (12b-1) fees and other expenses)(4) </td> <td colspan="1" style="background-color: #cceeff;"> </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> 0.09 </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 25px; background-color: #cceeff; text-align: left;" valign="bottom"> % </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 49px; background-color: #cceeff; text-align: right;" valign="bottom"> 1.12 </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 25px; background-color: #cceeff; text-align: left;" valign="bottom"> % </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> <tr> <td colspan="3" style="padding:4pt .7pt 0pt 0pt; width: 325px; text-align: left;" valign="bottom"> Annual Investment Option Operating Expenses After Fee Waiver or Reimbursement(5) </td> <td colspan="1"> </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 8px;" valign="bottom"> </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 48px; text-align: right;" valign="bottom"> 0.09 </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 25px; text-align: left;" valign="bottom"> % </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 8px;" valign="bottom"> </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 49px; text-align: right;" valign="bottom"> 1.07 </td> <td colspan="1" style="padding:4pt .7pt 0pt 0pt; width: 25px; text-align: left;" valign="bottom"> % </td> <td colspan="1" style="width: 8px;"> </td> </tr> </table>(4) Some Investment Options may impose a redemption fee of up to 2% of the amount withdrawn to deter frequent trading activity.(5) The "Annual Investment Option Operating Expenses After Fee Waiver or Reimbursement" line in the above table shows the range of minimum and maximum fees and expenses based on the expenses of all Investment Options after taking into account fee waiver or expense reimbursement arrangements in place. Those arrangements are designed to reduce total annual portfolio operating expenses for Certificate Holders and will continue past the current year. 0.0009 0.0112 0.0009 0.0107 (4) Some Investment Options may impose a redemption fee of up to 2% of the amount withdrawn to deter frequent trading activity.(5) The "Annual Investment Option Operating Expenses After Fee Waiver or Reimbursement" line in the above table shows the range of minimum and maximum fees and expenses based on the expenses of all Investment Options after taking into account fee waiver or expense reimbursement arrangements in place. Those arrangements are designed to reduce total annual portfolio operating expenses for Certificate Holders and will continue past the current year. 0.02 1. If you surrender or annuitize your Certificate at the end of the applicable time period(1):<table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $8,976 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 12,592 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 16,292 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 28,207 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table>1. If you surrender or annuitize your Certificate at the end of the applicable time period(1):<table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $8,011 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 9,619 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 11,200 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 17,488 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table> 8976 12592 16292 28207 2. If you do not surrender or annuitize at the end of the applicable time period:<table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $2,520 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 7,749 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 13,241 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 28,207 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table>2. If you do not surrender or annuitize at the end of the applicable time period:<table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $1,490 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 4,629 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 7,992 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 17,488 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table> 2. If you do not surrender or annuitize at the end of the applicable time period:<table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $2,520 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 7,749 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 13,241 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 28,207 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table>2. If you do not surrender or annuitize at the end of the applicable time period:<table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $1,490 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 4,629 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 7,992 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 17,488 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table> 2520 2520 7749 7749 13241 13241 28207 28207 8011 9619 11200 17488 1490 1490 4629 4629 7992 7992 17488 17488 1. If you surrender your Certificate or you annuitize at the end of the applicable time period and elect fixed settlement option 1:<table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $8,976 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 12,592 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 16,292 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 28,207 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table>1. If you surrender your Certificate or you annuitize at the end of the applicable time period and elect fixed settlement option 1:<table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $8,011 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 9,619 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 11,200 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 17,488 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table> 8976 12592 16292 28207 2. If you annuitize at the end of the applicable time period and elect fixed settlement option 2 or 4 with a one-year annuity payment period(2):<table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $8,054 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 11,624 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 15,275 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 28,207 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table>2. If you annuitize at the end of the applicable time period and elect fixed settlement option 2 or 4 with a one-year annuity payment period(2):<table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $7,080 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 8,621 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 10,131 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 17,488 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table> 8054 11624 15275 28207 3. If you do not surrender your Certificate or you annuitize at the end of the applicable time period and elect fixed settlement option 3 or 5, or a variable settlement option:<table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $2,520 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 7,749 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 13,241 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 28,207 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table>3. If you do not surrender your Certificate or you annuitize at the end of the applicable time period and elect fixed settlement option 3 or 5, or a variable settlement option:<table border="0" cellpadding="0" style="border-spacing: 0px;"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 64px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 3 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 5 Years </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 75px; text-align: center;" valign="bottom"> 10 Years </td> <td colspan="1"> </td> </tr> <tr> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 48px; background-color: #cceeff; text-align: right;" valign="bottom"> $1,490 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 4,629 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 7,992 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 21px; background-color: #cceeff; text-align: right;" valign="bottom"> $ </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 46px; background-color: #cceeff; text-align: right;" valign="bottom"> 17,488 </td> <td colspan="1" style="padding:2.5pt .7pt 0pt 0pt; width: 8px; background-color: #cceeff;" valign="bottom"> </td> <td colspan="1" style="width: 8px; background-color: #cceeff;"> </td> </tr> </table> 2520 7749 13241 28207 8011 9619 11200 17488 7080 8621 10131 17488 1490 4629 7992 17488 <div style="margin:8pt 0pt 8pt 0pt;"> PRINCIPAL RISKS OF INVESTING IN THE CERTIFICATE <div style="-keep: true"> Unsuitable as Short-Term Savings Vehicle. The Certificate is intended for retirement savings or other long-term investment purposes. It is not suitable as a short-term savings vehicle. This means if you plan to withdraw money or surrender the Certificate for short-term needs, it may not be the right investment for you. A charge may be assessed on withdrawals and surrenders, and it could be substantial. Withdrawals may reduce the death benefit by more than the amount withdrawn, and could eliminate the incremental death benefit. Please discuss your insurance needs and financial objectives with your registered representative. </div> Investment Risk. You bear the risk of any decline in the Accumulated Value of your Certificate resulting from the performance of the Investment Option(s) you have chosen. The Accumulated Value could decline very significantly, and there is a risk of loss of the entire amount invested. This risk varies with each Investment Option. This risk could have a significant negative impact on certain benefits and guarantees under the Certificate. The investment risks are described in the prospectuses for the Investment Options. Tax Consequences. Withdrawals are generally taxable (to the extent of any earnings in the Certificate), and prior to age 591/2 an additional tax may apply. Certificate Changes Risk. The Society reserves the right to add, remove or substitute Investment Options that are available under the Certificate. The Society may also limit transfers in accordance with our policies and procedures to detect and deter frequent transfers. We may discontinue or modify any of the optional benefits at any time prior to the time you elect. We reserve the right to change the method of crediting interest to the Declared Interest Option, provided that such changes do not have the effect of reducing the interest rate for the Certificate Year below the minimum guaranteed interest rate for the Certificate, or shortening the period for which the current interest rate applies to less than a Certificate Year. If mandated under applicable law, the Society may be required to reject a premium payment. Society Risk. An investment in the Certificate is subject to the risks related to the Society. Any obligations (including under the Declared Interest Option), guarantees, or benefits are subject to the claims-paying ability of the Society. More information about the Society, including its financial strength ratings, is available upon request by calling the Variable Product Administrative Center at 1-866-628-6776 or emailing VPACServices@modern-woodmen.org. <div style="-keep: true"> Business Disruption and Cyber Security Risk. We rely heavily on interconnected computer systems and digital data to conduct our variable product business activities. Because our variable product business is highly dependent upon the effective operation of our computer systems and those of our business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyber-attacks. Cyber-attacks may be systemic (e.g., affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely). These risks include, among other things, the loss, theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on websites and other operational disruption and unauthorized release of confidential Certificate Holder information. 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, and the recent military conflict between the United States and Iran). The continuing use of remote or flexible work arrangements, remote access tools, and mobile technology have expanded potential cyber-attack surfaces. Due to the increasing sophistication of cyber-attacks, such cyber security incidents could occur and persist for an extended period of time without detection. </div> Systems failures and cyber-attacks affecting us, the Investment Options, intermediaries and other affiliated or third-party service providers may adversely affect us and your Accumulated Value. For instance, systems failures and cyber-attacks may interfere with our processing of Certificate transactions, including the processing of orders with the Investment Options, impact our ability to </div>calculate unit values or the Investment Options' ability to calculate share 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, litigation, and financial losses and/or cause reputational damage. Cyber security risks may also impact the issuers of securities in which the Investment Options invest, which may cause the Investment Options underlying your Certificate to lose value. There can be no assurance that we or the Investment Options or our service providers and intermediaries will avoid losses affecting your Certificate due to cyber-attacks or information security breaches in the future. We are also exposed to risks related to natural and man-made disasters, such as (but not limited to) storms, fires, floods, earthquakes, epidemics, pandemics, malicious acts, and terrorist acts, which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic, could affect the ability, or willingness, of our workforce and employees of service providers and third party administrators to perform their job responsibilities. They could result in our business operations being less efficient than under normal circumstances and lead to delays in our issuing Certificates and processing of other Certificate-related transactions, including orders from Certificate Holders. Disasters may negatively affect the computer and other systems on which we rely and may interfere with our ability to receive, pickup and process mail, our processing of Certificate-related transactions, impact our ability to calculate Accumulated Value, or have other possible negative impacts. These events may also impact the issuers of securities in which the Investment Options invest, which may cause the Investment Options underlying your Certificate to lose value. There can be no assurance that we, the Investment Options or our service providers will avoid losses affecting your Certificate due to a natural disaster. Unsuitable as Short-Term Savings Vehicle. The Certificate is intended for retirement savings or other long-term investment purposes. It is not suitable as a short-term savings vehicle. This means if you plan to withdraw money or surrender the Certificate for short-term needs, it may not be the right investment for you. A charge may be assessed on withdrawals and surrenders, and it could be substantial. Withdrawals may reduce the death benefit by more than the amount withdrawn, and could eliminate the incremental death benefit. Please discuss your insurance needs and financial objectives with your registered representative. Investment Risk. You bear the risk of any decline in the Accumulated Value of your Certificate resulting from the performance of the Investment Option(s) you have chosen. The Accumulated Value could decline very significantly, and there is a risk of loss of the entire amount invested. This risk varies with each Investment Option. This risk could have a significant negative impact on certain benefits and guarantees under the Certificate. The investment risks are described in the prospectuses for the Investment Options. Tax Consequences. Withdrawals are generally taxable (to the extent of any earnings in the Certificate), and prior to age 591/2 an additional tax may apply. Certificate Changes Risk. The Society reserves the right to add, remove or substitute Investment Options that are available under the Certificate. The Society may also limit transfers in accordance with our policies and procedures to detect and deter frequent transfers. We may discontinue or modify any of the optional benefits at any time prior to the time you elect. We reserve the right to change the method of crediting interest to the Declared Interest Option, provided that such changes do not have the effect of reducing the interest rate for the Certificate Year below the minimum guaranteed interest rate for the Certificate, or shortening the period for which the current interest rate applies to less than a Certificate Year. If mandated under applicable law, the Society may be required to reject a premium payment Society Risk. An investment in the Certificate is subject to the risks related to the Society. Any obligations (including under the Declared Interest Option), guarantees, or benefits are subject to the claims-paying ability of the Society. More information about the Society, including its financial strength ratings, is available upon request by calling the Variable Product Administrative Center at 1-866-628-6776 or emailing VPACServices@modern-woodmen.org. Business Disruption and Cyber Security Risk. We rely heavily on interconnected computer systems and digital data to conduct our variable product business activities. Because our variable product business is highly dependent upon the effective operation of our computer systems and those of our business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyber-attacks. Cyber-attacks may be systemic (e.g., affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely). These risks include, among other things, the loss, theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on websites and other operational disruption and unauthorized release of confidential Certificate Holder information. 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, and the recent military conflict between the United States and Iran). The continuing use of remote or flexible work arrangements, remote access tools, and mobile technology have expanded potential cyber-attack surfaces. Due to the increasing sophistication of cyber-attacks, such cyber security incidents could occur and persist for an extended period of time without detection.Systems failures and cyber-attacks affecting us, the Investment Options, intermediaries and other affiliated or third-party service providers may adversely affect us and your Accumulated Value. For instance, systems failures and cyber-attacks may interfere with our processing of Certificate transactions, including the processing of orders with the Investment Options, impact our ability to calculate unit values or the Investment Options' ability to calculate share 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, litigation, and financial losses and/or cause reputational damage. Cyber security risks may also impact the issuers of securities in which the Investment Options invest, which may cause the Investment Options underlying your Certificate to lose value. There can be no assurance that we or the Investment Options or our service providers and intermediaries will avoid losses affecting your Certificate due to cyber-attacks or information security breaches in the future.We are also exposed to risks related to natural and man-made disasters, such as (but not limited to) storms, fires, floods, earthquakes, epidemics, pandemics, malicious acts, and terrorist acts, which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic, could affect the ability, or willingness, of our workforce and employees of service providers and third party administrators to perform their job responsibilities. They could result in our business operations being less efficient than under normal circumstances and lead to delays in our issuing Certificates and processing of other Certificate-related transactions, including orders from Certificate Holders. Disasters may negatively affect the computer and other systems on which we rely and may interfere with our ability to receive, pickup and process mail, our processing of Certificate-related transactions, impact our ability to calculate Accumulated Value, or have other possible negative impacts. These events may also impact the issuers of securities in which the Investment Options invest, which may cause the Investment Options underlying your Certificate to lose value. There can be no assurance that we, the Investment Options or our service providers will avoid losses affecting your Certificate due to a natural disaster. BENEFITS AVAILABLE UNDER THE CERTIFICATE Certain standard features or benefits are available under the Certificate for no additional charge. The purposes and restrictions of each of these benefits are briefly summarized in the following table. Some of the benefits in the table below may have been discussed in the above sections. <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:3pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 160px; text-align: left;" valign="bottom"> Benefit</td> <td colspan="1"> </td> <td colspan="3" style="padding:3pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 747px; text-align: center;" valign="bottom"> Purpose</td> <td colspan="1"> </td> <td colspan="3" style="padding:3pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 55px; text-align: center;" valign="bottom"> Fee</td> <td colspan="1"> </td> <td colspan="3" style="padding:3pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 697px; text-align: center;" valign="bottom"> Restrictions/Limitations</td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 160px; text-align: left;" valign="top"> Automatic Rebalancing Program</td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 747px; text-align: left;" valign="top"> Automatically transfers amounts to maintain a particular percentage allocation among the Subaccounts and Declared Interest Option</td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 55px; text-align: left;" valign="top"> None</td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 697px; text-align: left;" valign="top"> ● Maximum number of Investment Options which you may select at any one time is 10, including the Declared Interest Option. ● Cannot be utilized in combination with the dollar cost averaging program. ● Transferring all assets to the Declared Interest Option will terminate any automatic rebalancing instructions.</td> <td colspan="1"> </td> </tr> </table><div style="margin:8pt 0pt 8pt 0pt;"> <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 160px; text-align: left;" valign="bottom"> Benefit </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 747px; text-align: center;" valign="bottom"> Purpose </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 55px; text-align: center;" valign="bottom"> Fee </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 697px; text-align: center;" valign="bottom"> Restrictions/Limitations </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 160px; text-align: left;" valign="top"> Dollar Cost Averaging Program </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 747px; text-align: left;" valign="top"> Systematically transfers a set amount each month from the source account or the Declared Interest Option to other available Investment Options over a period of time </td> <td colspan="1"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 39px; text-align: right;" valign="top"> None </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 697px; text-align: left;" valign="top"> ● You must place at least $1,000 in a single "source account" (either the Declared Interest Option or the Money Market Subaccount). ● Minimum amount of each transfer is $100. ● Maximum number of Investment Options which you may select at any one time is 10, including the Declared Interest Option. ● Terminates when monies in the source account are depleted. ● Cannot be utilized in combination with automatic rebalancing or systematic withdrawal programs. </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 160px; text-align: left;" valign="top"> Systematic Withdrawal Program </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 747px; text-align: left;" valign="top"> Automatically withdraws a specific amount of Accumulated Value from selected Subaccounts or the Declared Interest Option </td> <td colspan="1"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 39px; text-align: right;" valign="top"> None </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 697px; text-align: left;" valign="top"> ● Minimum amount which you may withdraw is $100. ● Maximum amount which you may withdraw is that which would leave the remaining Accumulated Value equal to $2,000. We may deny an automatic partial withdrawal request that would reasonably cause the Accumulated Value to be less than $2,000 within one year. ● Cannot be utilized in combination with dollar cost averaging program. </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 160px; text-align: left;" valign="top"> Interest Sweep Program </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 747px; text-align: left;" valign="top"> Automatically transfers interest earnings from the Declared Interest Option to one or more Subaccounts on your Certificate Anniversary </td> <td colspan="1"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 39px; text-align: right;" valign="top"> None </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 697px; text-align: left;" valign="top"> ● Must have at least $5,000 in the Declared Interest Option to establish the program. ● Maximum number of Subaccounts to receive interest earnings at any one time is 10. ● Not available for Certificates issued in Oregon, South Carolina, and Utah prior to March 1, 2012. ● Not available for Certificates issued in Washington prior to February 1, 2009. </td> <td colspan="1"> </td> </tr> </table> </div><table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 160px; text-align: left;" valign="bottom"> Benefit </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 747px; text-align: center;" valign="bottom"> Purpose </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 55px; text-align: center;" valign="bottom"> Fee </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 697px; text-align: center;" valign="bottom"> Restrictions/Limitations </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 160px; text-align: left;" valign="top"> Death Benefit </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 747px; text-align: left;" valign="top"> Before the Retirement Date, upon the Annuitant's death, we will pay a death benefit to the Beneficiary in one sum within five years of the deceased Annuitant's death. </td> <td colspan="1"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 39px; text-align: right;" valign="top"> None </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 697px; text-align: left;" valign="top"> ● If original Annuitant's age on the Issue Date was less than 76, we determine the death benefit as of the date we receive Due Proof of Death and the death benefit equals the greatest of: ● sum of premiums paid, less the sum of all partial withdrawal reductions; ● Accumulated Value; or ● Performance Enhanced Death Benefit (PEDB) amount. ● If original Annuitant's age on the Issue Date was 76 or older, we determine the death benefit as of the date we receive Due Proof of Death and the death benefit equals the greater of: ● sum of the premiums paid, less the sum of all partial withdrawal reductions, or ● Accumulated Value. </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 160px; text-align: left;" valign="top"> Incremental Death Benefit Rider </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 747px; text-align: left;" valign="top"> Provides a death benefit that is in addition to the death benefit available under the Certificate </td> <td colspan="1"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 39px; text-align: right;" valign="top"> None </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 697px; text-align: left;" valign="top"> ● Not available if the Annuitant's age on the Issue Date is 71 or over. ● No incremental death benefit is paid if market decline results in the Accumulated Value being less than premium payments minus any partial withdrawal reductions. ● No incremental death benefit is paid if the sum of all premium payments minus the sum of all partial withdrawal reductions is equal to or less than zero. ● Not available in Washington. </td> <td colspan="1"> </td> </tr> </table> <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:3pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 160px; text-align: left;" valign="bottom"> Benefit</td> <td colspan="1"> </td> <td colspan="3" style="padding:3pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 747px; text-align: center;" valign="bottom"> Purpose</td> <td colspan="1"> </td> <td colspan="3" style="padding:3pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 55px; text-align: center;" valign="bottom"> Fee</td> <td colspan="1"> </td> <td colspan="3" style="padding:3pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 697px; text-align: center;" valign="bottom"> Restrictions/Limitations</td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 160px; text-align: left;" valign="top"> Automatic Rebalancing Program</td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 747px; text-align: left;" valign="top"> Automatically transfers amounts to maintain a particular percentage allocation among the Subaccounts and Declared Interest Option</td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 55px; text-align: left;" valign="top"> None</td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 697px; text-align: left;" valign="top"> ● Maximum number of Investment Options which you may select at any one time is 10, including the Declared Interest Option. ● Cannot be utilized in combination with the dollar cost averaging program. ● Transferring all assets to the Declared Interest Option will terminate any automatic rebalancing instructions.</td> <td colspan="1"> </td> </tr> </table><table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 160px; text-align: left;" valign="bottom"> Benefit </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 747px; text-align: center;" valign="bottom"> Purpose </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 55px; text-align: center;" valign="bottom"> Fee </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 697px; text-align: center;" valign="bottom"> Restrictions/Limitations </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 160px; text-align: left;" valign="top"> Dollar Cost Averaging Program </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 747px; text-align: left;" valign="top"> Systematically transfers a set amount each month from the source account or the Declared Interest Option to other available Investment Options over a period of time </td> <td colspan="1"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 39px; text-align: right;" valign="top"> None </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 697px; text-align: left;" valign="top"> ● You must place at least $1,000 in a single "source account" (either the Declared Interest Option or the Money Market Subaccount). ● Minimum amount of each transfer is $100. ● Maximum number of Investment Options which you may select at any one time is 10, including the Declared Interest Option. ● Terminates when monies in the source account are depleted. ● Cannot be utilized in combination with automatic rebalancing or systematic withdrawal programs. </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 160px; text-align: left;" valign="top"> Systematic Withdrawal Program </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 747px; text-align: left;" valign="top"> Automatically withdraws a specific amount of Accumulated Value from selected Subaccounts or the Declared Interest Option </td> <td colspan="1"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 39px; text-align: right;" valign="top"> None </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 697px; text-align: left;" valign="top"> ● Minimum amount which you may withdraw is $100. ● Maximum amount which you may withdraw is that which would leave the remaining Accumulated Value equal to $2,000. We may deny an automatic partial withdrawal request that would reasonably cause the Accumulated Value to be less than $2,000 within one year. ● Cannot be utilized in combination with dollar cost averaging program. </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 160px; text-align: left;" valign="top"> Interest Sweep Program </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 747px; text-align: left;" valign="top"> Automatically transfers interest earnings from the Declared Interest Option to one or more Subaccounts on your Certificate Anniversary </td> <td colspan="1"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 39px; text-align: right;" valign="top"> None </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 697px; text-align: left;" valign="top"> ● Must have at least $5,000 in the Declared Interest Option to establish the program. ● Maximum number of Subaccounts to receive interest earnings at any one time is 10. ● Not available for Certificates issued in Oregon, South Carolina, and Utah prior to March 1, 2012. ● Not available for Certificates issued in Washington prior to February 1, 2009. </td> <td colspan="1"> </td> </tr> </table><table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 160px; text-align: left;" valign="bottom"> Benefit </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 747px; text-align: center;" valign="bottom"> Purpose </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 55px; text-align: center;" valign="bottom"> Fee </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 697px; text-align: center;" valign="bottom"> Restrictions/Limitations </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 160px; text-align: left;" valign="top"> Death Benefit </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 747px; text-align: left;" valign="top"> Before the Retirement Date, upon the Annuitant's death, we will pay a death benefit to the Beneficiary in one sum within five years of the deceased Annuitant's death. </td> <td colspan="1"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 39px; text-align: right;" valign="top"> None </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 697px; text-align: left;" valign="top"> ● If original Annuitant's age on the Issue Date was less than 76, we determine the death benefit as of the date we receive Due Proof of Death and the death benefit equals the greatest of: ● sum of premiums paid, less the sum of all partial withdrawal reductions; ● Accumulated Value; or ● Performance Enhanced Death Benefit (PEDB) amount. ● If original Annuitant's age on the Issue Date was 76 or older, we determine the death benefit as of the date we receive Due Proof of Death and the death benefit equals the greater of: ● sum of the premiums paid, less the sum of all partial withdrawal reductions, or ● Accumulated Value. </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 160px; text-align: left;" valign="top"> Incremental Death Benefit Rider </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 747px; text-align: left;" valign="top"> Provides a death benefit that is in addition to the death benefit available under the Certificate </td> <td colspan="1"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 39px; text-align: right;" valign="top"> None </td> <td colspan="1" style="padding:4.5pt .7pt 6pt 0pt; width: 8px;" valign="top"> </td> <td colspan="1" style="width: 8px;"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 697px; text-align: left;" valign="top"> ● Not available if the Annuitant's age on the Issue Date is 71 or over. ● No incremental death benefit is paid if market decline results in the Accumulated Value being less than premium payments minus any partial withdrawal reductions. ● No incremental death benefit is paid if the sum of all premium payments minus the sum of all partial withdrawal reductions is equal to or less than zero. ● Not available in Washington. </td> <td colspan="1"> </td> </tr> </table> Automatic Rebalancing Program Automatically transfers amounts to maintain a particular percentage allocation among the Subaccounts and Declared Interest Option 0 ● Maximum number of Investment Options which you may select at any one time is 10, including the Declared Interest Option. ● Cannot be utilized in combination with the dollar cost averaging program. ● Transferring all assets to the Declared Interest Option will terminate any automatic rebalancing instructions. Dollar Cost Averaging Program Systematically transfers a set amount each month from the source account or the Declared Interest Option to other available Investment Options over a period of time 0 ● You must place at least $1,000 in a single "source account" (either the Declared Interest Option or the Money Market Subaccount). ● Minimum amount of each transfer is $100. ● Maximum number of Investment Options which you may select at any one time is 10, including the Declared Interest Option. ● Terminates when monies in the source account are depleted. ● Cannot be utilized in combination with automatic rebalancing or systematic withdrawal programs. Systematic Withdrawal Program Automatically withdraws a specific amount of Accumulated Value from selected Subaccounts or the Declared Interest Option 0 ● Minimum amount which you may withdraw is $100. ● Maximum amount which you may withdraw is that which would leave the remaining Accumulated Value equal to $2,000. We may deny an automatic partial withdrawal request that would reasonably cause the Accumulated Value to be less than $2,000 within one year. ● Cannot be utilized in combination with dollar cost averaging program. Interest Sweep Program Automatically transfers interest earnings from the Declared Interest Option to one or more Subaccounts on your Certificate Anniversary 0 ● Must have at least $5,000 in the Declared Interest Option to establish the program. ● Maximum number of Subaccounts to receive interest earnings at any one time is 10. ● Not available for Certificates issued in Oregon, South Carolina, and Utah prior to March 1, 2012. ● Not available for Certificates issued in Washington prior to February 1, 2009. Death Benefit Before the Retirement Date, upon the Annuitant's death, we will pay a death benefit to the Beneficiary in one sum within five years of the deceased Annuitant's death. 0 ● If original Annuitant's age on the Issue Date was less than 76, we determine the death benefit as of the date we receive Due Proof of Death and the death benefit equals the greatest of: ● sum of premiums paid, less the sum of all partial withdrawal reductions; ● Accumulated Value; or ● Performance Enhanced Death Benefit (PEDB) amount. ● If original Annuitant's age on the Issue Date was 76 or older, we determine the death benefit as of the date we receive Due Proof of Death and the death benefit equals the greater of: ● sum of the premiums paid, less the sum of all partial withdrawal reductions, or ● Accumulated Value. Incremental Death Benefit Rider Provides a death benefit that is in addition to the death benefit available under the Certificate 0 ● Not available if the Annuitant's age on the Issue Date is 71 or over. ● No incremental death benefit is paid if market decline results in the Accumulated Value being less than premium payments minus any partial withdrawal reductions. ● No incremental death benefit is paid if the sum of all premium payments minus the sum of all partial withdrawal reductions is equal to or less than zero. ● Not available in Washington. <div style="margin:8pt 0pt 8pt 0pt;"> APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CERTIFICATE Variable Investment Options <div style="-keep: true"> The following is a list of the variable Investment Options available under the Certificate. More information about the Investment Options is available in the prospectuses for the Investment Options, which may be amended from time and time and can be found online at https://www.modernwoodmen.org/our-products/annuities/variable-annuity-documents. You can also request this information at no cost by calling the Variable Product Administrative Center at 1-866-628-6776 or sending an email request to VPACServices@modern-woodmen.org. </div> The current expenses and performance information below reflects fees and expenses of the Investment Options, but do not reflect the other fees and expenses that your Certificate may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Investment Option's past performance is not necessarily an indication of future performance. <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:8pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:8pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:8pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:8pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Provide high total return (including income and capital gains) consistent with preservation of capital over the long term </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS Asset Allocation Fund—Class 2 Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.54% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 15.85% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 8.97% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 9.77% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Provide a level of current income that exceeds the average yield on U.S. stocks generally and provide a growing stream of income over the years. To provide growth of capital as a secondary objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS Capital Income Builder®—Class 1 Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.27%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 20.69% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.36% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.84% </td> <td colspan="1"> </td> </tr> </table> </div><div style="margin:8pt 0pt 8pt 0pt;"> <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Provide, over the long term, a high level of total return consistent with prudent investment management. Total return comprises the income generated by the fund and the changes in the market value of the fund's investments. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS Capital World Bond Fund®—Class 2 Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.73% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 9.39% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> -2.50% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 1.23% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term growth of capital while providing current income </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS Capital World Growth and Income Fund®—Class 1 Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.41%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 25.16% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 10.56% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 11.30% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term growth of capital </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS SMALLCAP World Fund®—Class 1 (formerly Global Small Capitalization Fund) Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.65%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 14.89% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 0.73% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.50% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Growth of capital </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS Growth Fund—Class 2 Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.58% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 20.24% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 13.37% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 17.97% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term growth of capital and income </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS Growth-Income Fund—Class 2 Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.53% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 18.06% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 13.90% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 13.92% </td> <td colspan="1"> </td> </tr> </table> </div><div style="margin:8pt 0pt 8pt 0pt;"> <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Growth of capital while seeking to manage volatility and provide downside protection </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS Managed Risk Growth Fund—Class P1(1) Adviser: Capital Research and Management Company Sub-Adviser: Milliman Financial Risk Management LLC </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.68% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 13.63% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 8.22% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 12.03% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term growth of capital and income while seeking to manage volatility and provide downside protection </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS Managed Risk Growth-Income Fund—Class P1(1) Adviser: Capital Research and Management Company Sub-Adviser: Milliman Financial Risk Management LLC </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.63% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 11.45% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 7.97% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 9.26% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS New World Fund®—Class 1 Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.57%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 28.60% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 5.59% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 9.53% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Provide as high a level of current income as is consistent with the preservation of capital </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS The Bond Fund of America®—Class 1 Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.22%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 7.40% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 0.10% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 2.61% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> BNY Mellon BNY Mellon Sustainable U.S. Equity Portfolio, Inc.—Service Share Class Adviser: BNY Mellon Investment Advisor, Inc. Sub-Adviser: Newton Investment Management Limited </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.91% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 15.67% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 11.65% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 13.27% </td> <td colspan="1"> </td> </tr> </table> </div><div style="margin:8pt 0pt 8pt 0pt;"> <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital growth consistent with preservation of capital with current income as a secondary goal </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> BNY Mellon BNY Mellon Variable Investment Fund: Appreciation Portfolio—Initial Share Class Adviser: BNY Mellon Investment Advisor, Inc. Sub-Adviser: Fayez Sarofim & Co. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.85% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 10.07% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.37% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 12.92% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital growth, current income and growth of income consistent with reasonable investment risk </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> BNY Mellon BNY Mellon Variable Investment Fund: Growth and Income Portfolio—Initial Share Class Adviser: BNY Mellon Investment Advisor, Inc. Sub-Adviser: Newton Investment Management North America, LLC </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.70%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 16.83% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 14.22% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 14.66% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Capital growth </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> BNY Mellon BNY Mellon Variable Investment Fund: Small Cap Portfolio—Initial Share Class (formerly Opportunistic Small Cap Portfolio) Adviser: BNY Mellon Investment Advisor, Inc. Sub-Adviser: Newton Investment Management North America, LLC </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.83% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 10.99% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 4.26% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.83% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Investment results that correspond to investment performance of U.S. common stocks, as represented by NASDAQ 100® Index </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Calvert Variable Trust, Inc. CVT NASDAQ 100 Index Portfolio—Class I Adviser: Calvert Research and Management Sub-Adviser: Ameritas Investment Partners, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.49%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 20.39% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 14.73% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 19.09% </td> <td colspan="1"> </td> </tr> </table> </div><div style="margin:8pt 0pt 8pt 0pt;"> <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Investment results that correspond to investment performance of U.S. common stocks, as represented by Russell 2000® Index </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Calvert Variable Trust, Inc. CVT Russell 2000 Small Cap Index Portfolio—Class I Adviser: Calvert Research and Management Sub-Adviser: Ameritas Investment Partners, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.40%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 12.45% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 5.83% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 9.32% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Investment results that correspond to total return performance of U.S. common stocks, as represented by S&P MidCap 400® Index </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Calvert Variable Trust, Inc. CVT S&P MidCap 400 Index Portfolio—Class I Adviser: Calvert Research and Management Sub-Adviser: Ameritas Investment Partners, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.33%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 7.14% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 8.77% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 10.37% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Current income consistent with stability of principal and liquidity </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Federated Hermes Insurance Series Fund Federated Hermes Government Money Fund II—Service Share Class(2) Adviser: Federated Investment Management Company Sub-Adviser: Federated Advisory Services Company (FASC) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.63%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 3.73% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 2.80% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 1.73% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> High current income and moderate capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Federated Hermes Insurance Series Fund Federated Hermes Managed Volatility Fund II—Primary Shares(1) Adviser: Federated Advisory Services Company (FASC), an affiliate of the Co-Advisers, Federated Investment Management Company (FIMCO) and Federated Equity Management Company of Pennsylvania (FEMCOPA) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.97%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 6.93% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 6.54% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 6.84% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Current income </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Federated Hermes Insurance Series Fund Federated Hermes Quality Bond Fund II—Primary Shares Adviser: Federated Investment Management Company Sub-Adviser: Federated Advisory Services Company (FASC) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.74%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 7.08% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 1.10% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 2.99% </td> <td colspan="1"> </td> </tr> </table> </div><div style="margin:8pt 0pt 8pt 0pt;"> <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Income and capital growth consistent with reasonable risk </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Balanced Portfolio—Service Class 2 Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.66% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 14.96% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.24% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 10.84% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP ContrafundSM Portfolio—Initial Class Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.54% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 21.52% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 15.37% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 15.78% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Energy Portfolio—Service Class 2 Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.85% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 10.34% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 23.86% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.69% </td> <td colspan="1"> </td> </tr> </table> </div><div style="margin:8pt 0pt 8pt 0pt;"> <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2015 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.41% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 11.87% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 3.99% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 6.60% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2020 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.44% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 13.33% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 4.84% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.38% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2025 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.46% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 14.59% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 5.52% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 8.02% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2030 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.49% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 15.52% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 6.25% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 8.88% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2035 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.53% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 16.69% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 7.55% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 10.00% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2040 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.57% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 18.79% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.01% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 10.87% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2045 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.60% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 19.83% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.44% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 11.09% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2050 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.60% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 19.79% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.43% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 11.08% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2055 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.60% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 19.85% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.43% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> NA </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2060 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.60% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 19.83% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.44% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> NA </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2065 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.60% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 19.86% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.43% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> NA </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Adviser: Fidelity® Management & Research Company LLC (FMR) </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:6.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:6.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Growth Portfolio—Initial Class Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:6.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.55% </td> <td colspan="1"> </td> <td colspan="3" style="padding:6.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 14.92% </td> <td colspan="1"> </td> <td colspan="3" style="padding:6.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 13.70% </td> <td colspan="1"> </td> <td colspan="3" style="padding:6.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 17.45% </td> <td colspan="1"> </td> </tr> </table> </div><div style="margin:8pt 0pt 8pt 0pt;"> <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> High total return through a combination of current income and capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Growth & Income Portfolio—Initial Class Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.47% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 21.50% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 16.11% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 13.84% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> High level of current income, while also considering growth of capital </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP High Income Portfolio—Service Class 2 Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 1.06%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 10.31% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 4.00% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 5.34% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&P 500® Index </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Index 500 Portfolio— Initial Class Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: Geode Capital Management, LLC (Geode) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.09% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 17.78% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 14.31% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 14.70% </td> <td colspan="1"> </td> </tr> </table> </div><div style="margin:8pt 0pt 8pt 0pt;"> <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term growth of capital </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Mid Cap Portfolio—Service Class 2 Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.80% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 11.49% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.83% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 10.31% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term growth of capital </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Overseas Portfolio—Initial Class Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), Fidelity® Management & Research (Japan) Limited (FMR Japan), FIL Investment Advisors (FIA), and FIL Investment Advisors (UK) Limited (FIA (UK)) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.72% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 20.39% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 6.62% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.93% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Above-average income and long-term capital growth, consistent with reasonable investment risk. The fund seeks to provide a yield that exceeds the composite yield of the S&P 500® Index. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Real Estate Portfolio—Initial Class Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.60% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 3.10% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 4.23% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 3.87% </td> <td colspan="1"> </td> </tr> </table> </div><div style="margin:8pt 0pt 8pt 0pt;"> <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> High level of current income and may also seek capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Strategic Income Portfolio—Service Class 2 Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), Fidelity® Management & Research (Japan) Limited (FMR Japan), FIL Investment Advisors (FIA), and FIL Investment Advisors (UK) Limited (FIA (UK)) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.88% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 8.58% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 2.79% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 4.40% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Technology Portfolio—Initial Class Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.56% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 23.36% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 16.83% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 23.76% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Franklin Templeton Variable Insurance Products Trust Franklin DynaTech VIP Fund—Class 2 Adviser: Franklin Advisers, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.88% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 18.13% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.09% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 14.08% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Maximize income while maintaining prospects for capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Franklin Templeton Variable Insurance Products Trust Franklin Income VIP Fund—Class 2 Adviser: Franklin Advisers, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.72% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 12.56% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 7.66% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.30% </td> <td colspan="1"> </td> </tr> </table> </div><div style="margin:8pt 0pt 8pt 0pt;"> <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital appreciation with preservation of capital as an important consideration </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Franklin Templeton Variable Insurance Products Trust Franklin Rising Dividends VIP Fund—Class 1 Adviser: Franklin Advisers, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.64% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 12.05% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.77% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 12.37% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term total return </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Franklin Templeton Variable Insurance Products Trust Franklin Small Cap Value VIP Fund—Class 2 Adviser: Franklin Mutual Advisers, LLC </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.91%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 7.65% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 8.86% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 9.81% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital growth </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Franklin Templeton Variable Insurance Products Trust Franklin Small-Mid Cap Growth VIP Fund—Class 1 Adviser: Franklin Advisers, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.84% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 2.70% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 1.27% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 10.16% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> High level of current income with capital appreciation over the long term as a secondary goal </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Franklin Templeton Variable Insurance Products Trust Franklin Strategic Income VIP Fund—Class 2 Adviser: Franklin Advisers, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 1.07%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 7.24% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 1.92% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 3.10% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Capital growth </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Lincoln Variable Insurance Products Trust LVIP American Century Capital Appreciation Fund—Standard Class II Adviser: Lincoln Financial Investments Corporation Sub-Adviser: American Century Investment Management, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.79%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 6.72% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 5.16% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 11.47% </td> <td colspan="1"> </td> </tr> </table> </div><div style="margin:8pt 0pt 8pt 0pt;"> <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital growth with income as a secondary objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Lincoln Variable Insurance Products Trust LVIP American Century Mid Cap Value Fund—Standard Class II Adviser: Lincoln Financial Investments Corporation Sub-Adviser: American Century Investment Management, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.86%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 8.99% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 8.89% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 9.12% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital growth </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Lincoln Variable Insurance Products Trust LVIP American Century Ultra® Fund—Standard Class II Adviser: Lincoln Financial Investments Corporation Sub-Adviser: American Century Investment Management, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.75%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 12.84% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 11.68% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 17.16% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Capital appreciation with secondary goal of achieving current income by investing primarily in equity securities </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Lincoln Variable Insurance Products Trust LVIP JPMorgan Mid Cap Value Fund—Standard Class Adviser: Lincoln Financial Investments Corporation Sub-Adviser: J.P. Morgan Investment Management, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.74% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 4.72% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.63% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 8.77% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Capital growth over the long term </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Lincoln Variable Insurance Products Trust LVIP JPMorgan Small Cap Core Fund—Standard Class Adviser: Lincoln Financial Investments Corporation Sub-Adviser: J.P. Morgan Investment Management, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.77% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 10.27% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 6.40% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 8.95% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital growth by investing primarily in the common stocks of growth companies </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> T. Rowe Price Equity Series, Inc. All-Cap Opportunities Portfolio Adviser: T. Rowe Price Associates, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.80%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 16.30% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 12.22% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 16.93% </td> <td colspan="1"> </td> </tr> </table> </div><div style="margin:8pt 0pt 8pt 0pt;"> <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> High level of dividend income and long-term capital growth primarily through investments in stocks </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> T. Rowe Price Equity Series, Inc. Equity Income Portfolio Adviser: T. Rowe Price Associates, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.74% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 14.36% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 11.17% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 10.51% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> T. Rowe Price Equity Series, Inc. Health Sciences Portfolio Adviser: T. Rowe Price Associates, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.86% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 18.10% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 4.12% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 8.97% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital appreciation by investing in mid-cap stocks with potential for above-average earnings growth </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> T. Rowe Price Equity Series, Inc. Mid-Cap Growth Portfolio Adviser: T. Rowe Price Associates, Inc. Sub-Adviser: T. Rowe Price Investment Management, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.84%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 3.55% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 3.84% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 9.81% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Highest total return over time consistent with an emphasis on both capital appreciation and income </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> T. Rowe Price Equity Series, Inc. Moderate Allocation Portfolio Adviser: T. Rowe Price Associates, Inc. Sub-Adviser: T. Rowe Price Hong Kong Limited, T. Rowe Price Investment Management, Inc. and T. Rowe Price International Ltd. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.85%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 14.50% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 5.50% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.84% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term growth of capital through investments primarily in the common stocks of established, non-U.S. companies </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> T. Rowe Price International Series, Inc. International Stock Portfolio Adviser: T. Rowe Price Associates, Inc. Sub-Adviser: T. Rowe Price International Ltd. (Price International) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.95%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 18.41% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 3.92% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.10% </td> <td colspan="1"> </td> </tr> </table> <div style="-keep: true"> * These Investment Options and their investment advisers have entered into fee waivers or expense reimbursement arrangements. These temporary fee reductions are reflected in their annual expenses. Those arrangements are designed to reduce total annual portfolio operating expenses for Certificate Holders and will continue past the current year. </div> (1) The Investment Option includes a volatility management strategy as part of the Investment Option's investment objective and/or principal investment strategy. See "Volatility Management Strategies" contained herein. (2) You could lose money by investing in the Federated Hermes Government Money Fund II. Although the Federated Hermes Government Money Fund II seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Federated Hermes Government Money Fund II is not insured or guaranteed by the </div>Federal Deposit Insurance Corporation or any other government agency. The Federated Hermes Government Money Fund II's sponsor has no legal obligation to provide financial support to the Federated Hermes Government Money Fund II, and you should not expect that the sponsor will provide financial support to the Federated Hermes Government Money Fund II at any time. The yield of the Fund may become very low during periods of low interest rates. After deduction of Separate Account Annual Expenses, the yield of the Subaccount that invests in the Fund could be negative. If the yield of the Subaccount becomes negative, Accumulated Value invested in the Subaccount may decline. The following is a list of the variable Investment Options available under the Certificate. More information about the Investment Options is available in the prospectuses for the Investment Options, which may be amended from time and time and can be found online at https://www.modernwoodmen.org/our-products/annuities/variable-annuity-documents. You can also request this information at no cost by calling the Variable Product Administrative Center at 1-866-628-6776 or sending an email request to VPACServices@modern-woodmen.org.The current expenses and performance information below reflects fees and expenses of the Investment Options, but do not reflect the other fees and expenses that your Certificate may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Investment Option's past performance is not necessarily an indication of future performance. <table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:8pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:8pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:8pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:8pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Provide high total return (including income and capital gains) consistent with preservation of capital over the long term </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS Asset Allocation Fund—Class 2 Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.54% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 15.85% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 8.97% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 9.77% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Provide a level of current income that exceeds the average yield on U.S. stocks generally and provide a growing stream of income over the years. To provide growth of capital as a secondary objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS Capital Income Builder®—Class 1 Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.27%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 20.69% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.36% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.84% </td> <td colspan="1"> </td> </tr> </table><table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Provide, over the long term, a high level of total return consistent with prudent investment management. Total return comprises the income generated by the fund and the changes in the market value of the fund's investments. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS Capital World Bond Fund®—Class 2 Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.73% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 9.39% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> -2.50% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 1.23% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term growth of capital while providing current income </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS Capital World Growth and Income Fund®—Class 1 Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.41%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 25.16% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 10.56% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 11.30% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term growth of capital </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS SMALLCAP World Fund®—Class 1 (formerly Global Small Capitalization Fund) Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.65%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 14.89% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 0.73% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.50% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Growth of capital </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS Growth Fund—Class 2 Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.58% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 20.24% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 13.37% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 17.97% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term growth of capital and income </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS Growth-Income Fund—Class 2 Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.53% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 18.06% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 13.90% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 13.92% </td> <td colspan="1"> </td> </tr> </table><table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Growth of capital while seeking to manage volatility and provide downside protection </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS Managed Risk Growth Fund—Class P1(1) Adviser: Capital Research and Management Company Sub-Adviser: Milliman Financial Risk Management LLC </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.68% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 13.63% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 8.22% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 12.03% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term growth of capital and income while seeking to manage volatility and provide downside protection </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS Managed Risk Growth-Income Fund—Class P1(1) Adviser: Capital Research and Management Company Sub-Adviser: Milliman Financial Risk Management LLC </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.63% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 11.45% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 7.97% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 9.26% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS New World Fund®—Class 1 Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.57%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 28.60% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 5.59% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 9.53% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Provide as high a level of current income as is consistent with the preservation of capital </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> American Funds Insurance Series (IS) American Funds IS The Bond Fund of America®—Class 1 Adviser: Capital Research and Management Company </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.22%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 7.40% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 0.10% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 2.61% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> BNY Mellon BNY Mellon Sustainable U.S. Equity Portfolio, Inc.—Service Share Class Adviser: BNY Mellon Investment Advisor, Inc. Sub-Adviser: Newton Investment Management Limited </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.91% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 15.67% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 11.65% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 13.27% </td> <td colspan="1"> </td> </tr> </table><table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital growth consistent with preservation of capital with current income as a secondary goal </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> BNY Mellon BNY Mellon Variable Investment Fund: Appreciation Portfolio—Initial Share Class Adviser: BNY Mellon Investment Advisor, Inc. Sub-Adviser: Fayez Sarofim & Co. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.85% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 10.07% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.37% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 12.92% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital growth, current income and growth of income consistent with reasonable investment risk </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> BNY Mellon BNY Mellon Variable Investment Fund: Growth and Income Portfolio—Initial Share Class Adviser: BNY Mellon Investment Advisor, Inc. Sub-Adviser: Newton Investment Management North America, LLC </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.70%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 16.83% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 14.22% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 14.66% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Capital growth </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> BNY Mellon BNY Mellon Variable Investment Fund: Small Cap Portfolio—Initial Share Class (formerly Opportunistic Small Cap Portfolio) Adviser: BNY Mellon Investment Advisor, Inc. Sub-Adviser: Newton Investment Management North America, LLC </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.83% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 10.99% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 4.26% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.83% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Investment results that correspond to investment performance of U.S. common stocks, as represented by NASDAQ 100® Index </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Calvert Variable Trust, Inc. CVT NASDAQ 100 Index Portfolio—Class I Adviser: Calvert Research and Management Sub-Adviser: Ameritas Investment Partners, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.49%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 20.39% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 14.73% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 19.09% </td> <td colspan="1"> </td> </tr> </table><table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Investment results that correspond to investment performance of U.S. common stocks, as represented by Russell 2000® Index </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Calvert Variable Trust, Inc. CVT Russell 2000 Small Cap Index Portfolio—Class I Adviser: Calvert Research and Management Sub-Adviser: Ameritas Investment Partners, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.40%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 12.45% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 5.83% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 9.32% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Investment results that correspond to total return performance of U.S. common stocks, as represented by S&P MidCap 400® Index </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Calvert Variable Trust, Inc. CVT S&P MidCap 400 Index Portfolio—Class I Adviser: Calvert Research and Management Sub-Adviser: Ameritas Investment Partners, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.33%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 7.14% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 8.77% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 10.37% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Current income consistent with stability of principal and liquidity </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Federated Hermes Insurance Series Fund Federated Hermes Government Money Fund II—Service Share Class(2) Adviser: Federated Investment Management Company Sub-Adviser: Federated Advisory Services Company (FASC) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.63%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 3.73% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 2.80% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 1.73% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> High current income and moderate capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Federated Hermes Insurance Series Fund Federated Hermes Managed Volatility Fund II—Primary Shares(1) Adviser: Federated Advisory Services Company (FASC), an affiliate of the Co-Advisers, Federated Investment Management Company (FIMCO) and Federated Equity Management Company of Pennsylvania (FEMCOPA) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.97%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 6.93% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 6.54% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 6.84% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Current income </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Federated Hermes Insurance Series Fund Federated Hermes Quality Bond Fund II—Primary Shares Adviser: Federated Investment Management Company Sub-Adviser: Federated Advisory Services Company (FASC) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.74%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 7.08% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 1.10% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 2.99% </td> <td colspan="1"> </td> </tr> </table><table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Income and capital growth consistent with reasonable risk </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Balanced Portfolio—Service Class 2 Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.66% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 14.96% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.24% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 10.84% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP ContrafundSM Portfolio—Initial Class Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.54% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 21.52% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 15.37% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 15.78% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Energy Portfolio—Service Class 2 Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.85% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 10.34% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 23.86% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.69% </td> <td colspan="1"> </td> </tr> </table><table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2015 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.41% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 11.87% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 3.99% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 6.60% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2020 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.44% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 13.33% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 4.84% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.38% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2025 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.46% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 14.59% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 5.52% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 8.02% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2030 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.49% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 15.52% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 6.25% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 8.88% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2035 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.53% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 16.69% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 7.55% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 10.00% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2040 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.57% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 18.79% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.01% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 10.87% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2045 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.60% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 19.83% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.44% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 11.09% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2050 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.60% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 19.79% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.43% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 11.08% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2055 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.60% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 19.85% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.43% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> NA </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2060 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.60% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 19.83% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.44% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> NA </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® VIP Freedom 2065 PortfolioSM—Initial Class </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.60% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 19.86% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.43% </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> NA </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Adviser: Fidelity® Management & Research Company LLC (FMR) </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:1.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:6.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:6.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Growth Portfolio—Initial Class Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:6.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.55% </td> <td colspan="1"> </td> <td colspan="3" style="padding:6.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 14.92% </td> <td colspan="1"> </td> <td colspan="3" style="padding:6.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 13.70% </td> <td colspan="1"> </td> <td colspan="3" style="padding:6.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 17.45% </td> <td colspan="1"> </td> </tr> </table><table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> High total return through a combination of current income and capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Growth & Income Portfolio—Initial Class Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.47% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 21.50% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 16.11% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 13.84% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> High level of current income, while also considering growth of capital </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP High Income Portfolio—Service Class 2 Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 1.06%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 10.31% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 4.00% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 5.34% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&P 500® Index </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Index 500 Portfolio— Initial Class Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: Geode Capital Management, LLC (Geode) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.09% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 17.78% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 14.31% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 14.70% </td> <td colspan="1"> </td> </tr> </table><table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term growth of capital </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Mid Cap Portfolio—Service Class 2 Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.80% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 11.49% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.83% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 10.31% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term growth of capital </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Overseas Portfolio—Initial Class Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), Fidelity® Management & Research (Japan) Limited (FMR Japan), FIL Investment Advisors (FIA), and FIL Investment Advisors (UK) Limited (FIA (UK)) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.72% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 20.39% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 6.62% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.93% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Above-average income and long-term capital growth, consistent with reasonable investment risk. The fund seeks to provide a yield that exceeds the composite yield of the S&P 500® Index. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Real Estate Portfolio—Initial Class Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.60% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 3.10% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 4.23% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 3.87% </td> <td colspan="1"> </td> </tr> </table><table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> High level of current income and may also seek capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Strategic Income Portfolio—Service Class 2 Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), Fidelity® Management & Research (Japan) Limited (FMR Japan), FIL Investment Advisors (FIA), and FIL Investment Advisors (UK) Limited (FIA (UK)) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.88% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 8.58% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 2.79% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 4.40% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Fidelity® Variable Insurance Products Funds Fidelity® VIP Technology Portfolio—Initial Class Adviser: Fidelity® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.56% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 23.36% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 16.83% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 23.76% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Franklin Templeton Variable Insurance Products Trust Franklin DynaTech VIP Fund—Class 2 Adviser: Franklin Advisers, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.88% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 18.13% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.09% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 14.08% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Maximize income while maintaining prospects for capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Franklin Templeton Variable Insurance Products Trust Franklin Income VIP Fund—Class 2 Adviser: Franklin Advisers, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.72% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 12.56% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 7.66% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.30% </td> <td colspan="1"> </td> </tr> </table><table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital appreciation with preservation of capital as an important consideration </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Franklin Templeton Variable Insurance Products Trust Franklin Rising Dividends VIP Fund—Class 1 Adviser: Franklin Advisers, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.64% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 12.05% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.77% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 12.37% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term total return </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Franklin Templeton Variable Insurance Products Trust Franklin Small Cap Value VIP Fund—Class 2 Adviser: Franklin Mutual Advisers, LLC </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.91%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 7.65% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 8.86% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 9.81% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital growth </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Franklin Templeton Variable Insurance Products Trust Franklin Small-Mid Cap Growth VIP Fund—Class 1 Adviser: Franklin Advisers, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.84% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 2.70% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 1.27% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 10.16% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> High level of current income with capital appreciation over the long term as a secondary goal </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Franklin Templeton Variable Insurance Products Trust Franklin Strategic Income VIP Fund—Class 2 Adviser: Franklin Advisers, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 1.07%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 7.24% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 1.92% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 3.10% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Capital growth </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Lincoln Variable Insurance Products Trust LVIP American Century Capital Appreciation Fund—Standard Class II Adviser: Lincoln Financial Investments Corporation Sub-Adviser: American Century Investment Management, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.79%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 6.72% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 5.16% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 11.47% </td> <td colspan="1"> </td> </tr> </table><table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital growth with income as a secondary objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Lincoln Variable Insurance Products Trust LVIP American Century Mid Cap Value Fund—Standard Class II Adviser: Lincoln Financial Investments Corporation Sub-Adviser: American Century Investment Management, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.86%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 8.99% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 8.89% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 9.12% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital growth </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Lincoln Variable Insurance Products Trust LVIP American Century Ultra® Fund—Standard Class II Adviser: Lincoln Financial Investments Corporation Sub-Adviser: American Century Investment Management, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.75%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 12.84% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 11.68% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 17.16% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Capital appreciation with secondary goal of achieving current income by investing primarily in equity securities </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Lincoln Variable Insurance Products Trust LVIP JPMorgan Mid Cap Value Fund—Standard Class Adviser: Lincoln Financial Investments Corporation Sub-Adviser: J.P. Morgan Investment Management, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.74% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 4.72% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 9.63% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 8.77% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Capital growth over the long term </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> Lincoln Variable Insurance Products Trust LVIP JPMorgan Small Cap Core Fund—Standard Class Adviser: Lincoln Financial Investments Corporation Sub-Adviser: J.P. Morgan Investment Management, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.77% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 10.27% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 6.40% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 8.95% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital growth by investing primarily in the common stocks of growth companies </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> T. Rowe Price Equity Series, Inc. All-Cap Opportunities Portfolio Adviser: T. Rowe Price Associates, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.80%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 16.30% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 12.22% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 16.93% </td> <td colspan="1"> </td> </tr> </table><table border="0" cellpadding="0" style="border-spacing: 0px;" width="100%"> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 450px;" valign="bottom"> </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 725px; text-align: center;" valign="bottom"> Investment Option and </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; width: 126px; text-align: center;" valign="bottom"> Current </td> <td colspan="1"> </td> <td colspan="11" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 422px; text-align: center;" valign="bottom"> Average Annual Total Returns (as of 12/31/2025) </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 450px; text-align: left;" valign="bottom"> Investment Objective </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 725px; text-align: center;" valign="bottom"> Adviser/Sub-Adviser </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 126px; text-align: center;" valign="bottom"> Expenses </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 128px; text-align: center;" valign="bottom"> 1 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 127px; text-align: center;" valign="bottom"> 5 Year </td> <td colspan="1"> </td> <td colspan="3" style="padding:0pt .7pt 0pt 0pt; border:none; border-bottom:solid windowtext 1pt; width: 122px; text-align: center;" valign="bottom"> 10 Year </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> High level of dividend income and long-term capital growth primarily through investments in stocks </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> T. Rowe Price Equity Series, Inc. Equity Income Portfolio Adviser: T. Rowe Price Associates, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.74% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 14.36% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 11.17% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 10.51% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital appreciation </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> T. Rowe Price Equity Series, Inc. Health Sciences Portfolio Adviser: T. Rowe Price Associates, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.86% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 18.10% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 4.12% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 8.97% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term capital appreciation by investing in mid-cap stocks with potential for above-average earnings growth </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> T. Rowe Price Equity Series, Inc. Mid-Cap Growth Portfolio Adviser: T. Rowe Price Associates, Inc. Sub-Adviser: T. Rowe Price Investment Management, Inc. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.84%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 3.55% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 3.84% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 9.81% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Highest total return over time consistent with an emphasis on both capital appreciation and income </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> T. Rowe Price Equity Series, Inc. Moderate Allocation Portfolio Adviser: T. Rowe Price Associates, Inc. Sub-Adviser: T. Rowe Price Hong Kong Limited, T. Rowe Price Investment Management, Inc. and T. Rowe Price International Ltd. </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.85%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 14.50% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 5.50% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.84% </td> <td colspan="1"> </td> </tr> <tr> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 450px; text-align: left;" valign="top"> Long-term growth of capital through investments primarily in the common stocks of established, non-U.S. companies </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 725px; text-align: left;" valign="top"> T. Rowe Price International Series, Inc. International Stock Portfolio Adviser: T. Rowe Price Associates, Inc. Sub-Adviser: T. Rowe Price International Ltd. (Price International) </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 126px; text-align: left;" valign="top"> 0.95%* </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 128px; text-align: left;" valign="top"> 18.41% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 127px; text-align: left;" valign="top"> 3.92% </td> <td colspan="1"> </td> <td colspan="3" style="padding:4.5pt .7pt 6pt 0pt; width: 122px; text-align: left;" valign="top"> 7.10% </td> <td colspan="1"> </td> </tr> </table>* These Investment Options and their investment advisers have entered into fee waivers or expense reimbursement arrangements. These temporary fee reductions are reflected in their annual expenses. Those arrangements are designed to reduce total annual portfolio operating expenses for Certificate Holders and will continue past the current year.(1) The Investment Option includes a volatility management strategy as part of the Investment Option's investment objective and/or principal investment strategy. See "Volatility Management Strategies" contained herein.(2) You could lose money by investing in the Federated Hermes Government Money Fund II. Although the Federated Hermes Government Money Fund II seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Federated Hermes Government Money Fund II is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Federated Hermes Government Money Fund II's sponsor has no legal obligation to provide financial support to the Federated Hermes Government Money Fund II, and you should not expect that the sponsor will provide financial support to the Federated Hermes Government Money Fund II at any time. The yield of the Fund may become very low during periods of low interest rates. After deduction of Separate Account Annual Expenses, the yield of the Subaccount that invests in the Fund could be negative. If the yield of the Subaccount becomes negative, Accumulated Value invested in the Subaccount may decline. Provide high total return (including income and capital gains) consistent with preservation of capital over the long term American Funds Insurance Series (IS)American Funds IS Asset Allocation Fund—Class 2 Capital Research and Management Company 0.0054 0.1585 0.0897 0.0977 Provide a level of current income that exceeds the average yield on U.S. stocks generally and provide a growing stream of income over the years. To provide growth of capital as a secondary objective American Funds Insurance Series (IS)American Funds IS Capital Income Builder®—Class 1 Capital Research and Management Company 0.0027 0.2069 0.0936 0.0784 Provide, over the long term, a high level of total return consistent with prudent investment management. Total return comprises the income generated by the fund and the changes in the market value of the fund's investments. American Funds Insurance Series (IS)American Funds IS Capital World Bond Fund®—Class 2 Capital Research and Management Company 0.0073 0.0939 -0.025 0.0123 Long-term growth of capital while providing current income American Funds Insurance Series (IS)American Funds IS Capital World Growth and Income Fund®—Class 1 Capital Research and Management Company 0.0041 0.2516 0.1056 0.113 Long-term growth of capital American Funds Insurance Series (IS)American Funds IS SMALLCAP World Fund®—Class 1 (formerly Global Small Capitalization Fund) Capital Research and Management Company 0.0065 0.1489 0.0073 0.075 Growth of capital American Funds Insurance Series (IS)American Funds IS Growth Fund—Class 2 Capital Research and Management Company 0.0058 0.2024 0.1337 0.1797 Long-term growth of capital and income American Funds Insurance Series (IS)American Funds IS Growth-Income Fund—Class 2 Capital Research and Management Company 0.0053 0.1806 0.139 0.1392 Growth of capital while seeking to manage volatility and provide downside protection American Funds Insurance Series (IS)American Funds IS Managed Risk Growth Fund—Class P1 Capital Research and Management Company Milliman Financial Risk Management LLC 0.0068 0.1363 0.0822 0.1203 Long-term growth of capital and income while seeking to manage volatility and provide downside protection American Funds Insurance Series (IS)American Funds IS Managed Risk Growth-Income Fund—Class P1 Capital Research and Management Company Milliman Financial Risk Management LLC 0.0063 0.1145 0.0797 0.0926 Long-term capital appreciation American Funds Insurance Series (IS)American Funds IS New World Fund®—Class 1 Capital Research and Management Company 0.0057 0.286 0.0559 0.0953 Provide as high a level of current income as is consistent with the preservation of capital American Funds Insurance Series (IS)American Funds IS The Bond Fund of America®—Class 1 Capital Research and Management Company 0.0022 0.074 0.001 0.0261 Long-term capital appreciation BNY Mellon BNY Mellon Sustainable U.S. Equity Portfolio, Inc.—Service Share Class BNY Mellon Investment Advisor, Inc. Newton Investment Management Limited 0.0091 0.1567 0.1165 0.1327 Long-term capital growth consistent with preservation of capital with current income as a secondary goal BNY Mellon BNY Mellon Variable Investment Fund: Appreciation Portfolio—Initial Share Class BNY Mellon Investment Advisor, Inc. Fayez Sarofim & Co. 0.0085 0.1007 0.0937 0.1292 Long-term capital growth, current income and growth of income consistent with reasonable investment risk BNY Mellon BNY Mellon Variable Investment Fund: Growth and Income Portfolio—Initial Share Class BNY Mellon Investment Advisor, Inc. Newton Investment Management North America, LLC 0.007 0.1683 0.1422 0.1466 Capital growth BNY Mellon BNY Mellon Variable Investment Fund: Small Cap Portfolio—Initial Share Class (formerly Opportunistic Small Cap Portfolio) BNY Mellon Investment Advisor, Inc. Newton Investment Management North America, LLC 0.0083 0.1099 0.0426 0.0783 Investment results that correspond to investment performance of U.S. common stocks, as represented by NASDAQ 100® Index Calvert Variable Trust, Inc. CVT NASDAQ 100 Index Portfolio—Class I Calvert Research and Management Ameritas Investment Partners, Inc. 0.0049 0.2039 0.1473 0.1909 Investment results that correspond to investment performance of U.S. common stocks, as represented by Russell 2000® Index Calvert Variable Trust, Inc. CVT Russell 2000 Small Cap Index Portfolio—Class I Calvert Research and Management Ameritas Investment Partners, Inc. 0.004 0.1245 0.0583 0.0932 Investment results that correspond to total return performance of U.S. common stocks, as represented by S&P MidCap 400® Index Calvert Variable Trust, Inc. CVT S&P MidCap 400 Index Portfolio—Class I Calvert Research and Management Ameritas Investment Partners, Inc. 0.0033 0.0714 0.0877 0.1037 Current income consistent with stability of principal and liquidity Federated Hermes Insurance Series FundFederated Hermes Government Money Fund II—Service Share Class Federated Investment Management Company Federated Advisory Services Company (FASC) 0.0063 0.0373 0.028 0.0173 High current income and moderate capital appreciation Federated Hermes Insurance Series FundFederated Hermes Managed Volatility Fund II—Primary Shares Federated Advisory Services Company (FASC), an affiliate of the Co-Advisers, Federated Investment Management Company (FIMCO) and Federated Equity Management Company of Pennsylvania (FEMCOPA) 0.0097 0.0693 0.0654 0.0684 Current income Federated Hermes Insurance Series FundFederated Hermes Quality Bond Fund II—Primary Shares Federated Investment Management Company Federated Advisory Services Company (FASC) 0.0074 0.0708 0.011 0.0299 Income and capital growth consistent with reasonable risk Fidelity® Variable Insurance Products FundsFidelity® VIP Balanced Portfolio—Service Class 2 Fidelity® Management & Research Company LLC (FMR) FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) 0.0066 0.1496 0.0924 0.1084 Long-term capital appreciation Fidelity® Variable Insurance Products FundsFidelity® VIP ContrafundSM Portfolio—Initial Class Fidelity® Management & Research Company LLC (FMR) FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) 0.0054 0.2152 0.1537 0.1578 Capital appreciation Fidelity® Variable Insurance Products FundsFidelity® VIP Energy Portfolio—Service Class 2 Fidelity® Management & Research Company LLC (FMR) FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) 0.0085 0.1034 0.2386 0.0769 High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond Fidelity® VIP Freedom 2015 PortfolioSM—Initial Class 0.0041 0.1187 0.0399 0.066 Fidelity® VIP Freedom 2020 PortfolioSM—Initial Class 0.0044 0.1333 0.0484 0.0738 Fidelity® VIP Freedom 2025 PortfolioSM—Initial Class 0.0046 0.1459 0.0552 0.0802 Fidelity® VIP Freedom 2030 PortfolioSM—Initial Class 0.0049 0.1552 0.0625 0.0888 Fidelity® VIP Freedom 2035 PortfolioSM—Initial Class 0.0053 0.1669 0.0755 0.10 Fidelity® VIP Freedom 2040 PortfolioSM—Initial Class 0.0057 0.1879 0.0901 0.1087 Fidelity® VIP Freedom 2045 PortfolioSM—Initial Class 0.006 0.1983 0.0944 0.1109 Fidelity® VIP Freedom 2050 PortfolioSM—Initial Class 0.006 0.1979 0.0943 0.1108 Fidelity® VIP Freedom 2055 PortfolioSM—Initial Class 0.006 0.1985 0.0943 Fidelity® VIP Freedom 2060 PortfolioSM—Initial Class 0.006 0.1983 0.0944 Fidelity® VIP Freedom 2065 PortfolioSM—Initial Class 0.006 0.1986 0.0943 Fidelity® Management & Research Company LLC (FMR) Fidelity® Management & Research Company LLC (FMR) Fidelity® Management & Research Company LLC (FMR) Fidelity® Management & Research Company LLC (FMR) Fidelity® Management & Research Company LLC (FMR) Fidelity® Management & Research Company LLC (FMR) Fidelity® Management & Research Company LLC (FMR) Fidelity® Management & Research Company LLC (FMR) Fidelity® Management & Research Company LLC (FMR) Fidelity® Management & Research Company LLC (FMR) Fidelity® Management & Research Company LLC (FMR) Capital appreciation Fidelity® Variable Insurance Products FundsFidelity® VIP Growth Portfolio—Initial Class Fidelity® Management & Research Company LLC (FMR) FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) 0.0055 0.1492 0.137 0.1745 High total return through a combination of current income and capital appreciation Fidelity® Variable Insurance Products FundsFidelity® VIP Growth & Income Portfolio—Initial Class Fidelity® Management & Research Company LLC (FMR) FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) 0.0047 0.215 0.1611 0.1384 High level of current income, while also considering growth of capital Fidelity® Variable Insurance Products FundsFidelity® VIP High Income Portfolio—Service Class 2 Fidelity® Management & Research Company LLC (FMR) FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) 0.0106 0.1031 0.04 0.0534 Investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&P 500® Index Fidelity® Variable Insurance Products FundsFidelity® VIP Index 500 Portfolio— Initial Class Fidelity® Management & Research Company LLC (FMR) Geode Capital Management, LLC (Geode) 0.0009 0.1778 0.1431 0.147 Long-term growth of capital Fidelity® Variable Insurance Products FundsFidelity® VIP Mid Cap Portfolio—Service Class 2 Fidelity® Management & Research Company LLC (FMR) FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) 0.008 0.1149 0.0983 0.1031 Long-term growth of capital Fidelity® Variable Insurance Products FundsFidelity® VIP Overseas Portfolio—Initial Class Fidelity® Management & Research Company LLC (FMR) FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), Fidelity® Management & Research (Japan) Limited (FMR Japan), FIL Investment Advisors (FIA), and FIL Investment Advisors (UK) Limited (FIA (UK)) 0.0072 0.2039 0.0662 0.0793 Above-average income and long-term capital growth, consistent with reasonable investment risk. The fund seeks to provide a yield that exceeds the composite yield of the S&P 500® Index. Fidelity® Variable Insurance Products FundsFidelity® VIP Real Estate Portfolio—Initial Class Fidelity® Management & Research Company LLC (FMR) FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) 0.006 0.031 0.0423 0.0387 High level of current income and may also seek capital appreciation Fidelity® Variable Insurance Products FundsFidelity® VIP Strategic Income Portfolio—Service Class 2 Fidelity® Management & Research Company LLC (FMR) FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), Fidelity® Management & Research (Japan) Limited (FMR Japan), FIL Investment Advisors (FIA), and FIL Investment Advisors (UK) Limited (FIA (UK)) 0.0088 0.0858 0.0279 0.044 Capital appreciation Fidelity® Variable Insurance Products FundsFidelity® VIP Technology Portfolio—Initial Class Fidelity® Management & Research Company LLC (FMR) FMR Investment Management (UK) Limited (FMR UK), Fidelity® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity® Management & Research (Japan) Limited (FMR Japan) 0.0056 0.2336 0.1683 0.2376 Capital appreciation Franklin Templeton Variable Insurance Products TrustFranklin DynaTech VIP Fund—Class 2 Franklin Advisers, Inc. 0.0088 0.1813 0.0909 0.1408 Maximize income while maintaining prospects for capital appreciation Franklin Templeton Variable Insurance Products TrustFranklin Income VIP Fund—Class 2 Franklin Advisers, Inc. 0.0072 0.1256 0.0766 0.073 Long-term capital appreciation with preservation of capital as an important consideration Franklin Templeton Variable Insurance Products TrustFranklin Rising Dividends VIP Fund—Class 1 Franklin Advisers, Inc. 0.0064 0.1205 0.0977 0.1237 Long-term total return Franklin Templeton Variable Insurance Products TrustFranklin Small Cap Value VIP Fund—Class 2 Franklin Mutual Advisers, LLC 0.0091 0.0765 0.0886 0.0981 Long-term capital growth Franklin Templeton Variable Insurance Products TrustFranklin Small-Mid Cap Growth VIP Fund—Class 1 Franklin Advisers, Inc. 0.0084 0.027 0.0127 0.1016 High level of current income with capital appreciation over the long term as a secondary goal Franklin Templeton Variable Insurance Products TrustFranklin Strategic Income VIP Fund—Class 2 Franklin Advisers, Inc. 0.0107 0.0724 0.0192 0.031 Capital growth Lincoln Variable Insurance Products Trust LVIP American Century Capital Appreciation Fund—Standard Class II Lincoln Financial Investments Corporation American Century Investment Management, Inc. 0.0079 0.0672 0.0516 0.1147 Long-term capital growth with income as a secondary objective Lincoln Variable Insurance Products Trust LVIP American Century Mid Cap Value Fund—Standard Class II Lincoln Financial Investments Corporation American Century Investment Management, Inc. 0.0086 0.0899 0.0889 0.0912 Long-term capital growth Lincoln Variable Insurance Products Trust LVIP American Century Ultra® Fund—Standard Class II Lincoln Financial Investments Corporation American Century Investment Management, Inc. 0.0075 0.1284 0.1168 0.1716 Capital appreciation with secondary goal of achieving current income by investing primarily in equity securities Lincoln Variable Insurance Products TrustLVIP JPMorgan Mid Cap Value Fund—Standard Class Lincoln Financial Investments Corporation J.P. Morgan Investment Management, Inc. 0.0074 0.0472 0.0963 0.0877 Capital growth over the long term Lincoln Variable Insurance Products TrustLVIP JPMorgan Small Cap Core Fund—Standard Class Lincoln Financial Investments Corporation J.P. Morgan Investment Management, Inc. 0.0077 0.1027 0.064 0.0895 Long-term capital growth by investing primarily in the common stocks of growth companies T. Rowe Price Equity Series, Inc. All-Cap Opportunities Portfolio T. Rowe Price Associates, Inc. 0.008 0.163 0.1222 0.1693 High level of dividend income and long-term capital growth primarily through investments in stocks T. Rowe Price Equity Series, Inc. Equity Income Portfolio T. Rowe Price Associates, Inc. 0.0074 0.1436 0.1117 0.1051 Long-term capital appreciation T. Rowe Price Equity Series, Inc. Health Sciences Portfolio T. Rowe Price Associates, Inc. 0.0086 0.181 0.0412 0.0897 Long-term capital appreciation by investing in mid-cap stocks with potential for above-average earnings growth T. Rowe Price Equity Series, Inc. Mid-Cap Growth Portfolio T. Rowe Price Associates, Inc. T. Rowe Price Investment Management, Inc. 0.0084 0.0355 0.0384 0.0981 Highest total return over time consistent with an emphasis on both capital appreciation and income T. Rowe Price Equity Series, Inc. Moderate Allocation Portfolio T. Rowe Price Associates, Inc. T. Rowe Price Hong Kong Limited, T. Rowe Price Investment Management, Inc. and T. Rowe Price International Ltd. 0.0085 0.145 0.055 0.0784 Long-term growth of capital through investments primarily in the common stocks of established, non-U.S. companies T. Rowe Price International Series, Inc.International Stock Portfolio T. Rowe Price Associates, Inc. T. Rowe Price International Ltd. (Price International) 0.0095 0.1841 0.0392 0.071 These Investment Options and their investment advisers have entered into fee waivers or expense reimbursement arrangements. These temporary fee reductions are reflected in their annual expenses. Those arrangements are designed to reduce total annual portfolio operating expenses for Certificate Holders and will continue past the current year. 0001140778 false We calculate the Base Certificate fee by dividing the total amount we received from the annual administrative charge and mortality and expense risk charge for the last fiscal year by the total average net assets attributable to the Certificates for that year. As a percentage of Fund assets. For Certificates issued on or after June 1, 2025 in the State of Florida, we do not apply a surrender charge if you elect to receive a life contingent settlement option, as described in "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)—Surrender Charge at the Retirement Date." For more information on the calculation of the surrender charge associated with a partial withdrawal or surrender, see "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)". Selection of an annuity payment period with a duration greater than one year would result in lower one-, three-, and five-year expense figures. In calculating the surrender charge that would apply in the case of annuitization under fixed payment option 2 or 4, the Society will add the number of years for which payments will be made under the annuity payment option selected to the number of Certificate Years since the Issue Date to determine the Certificate Year in which the surrender is deemed to occur for purposes of determining the surrender charge percentage that would apply upon annuitization. For more information on the calculation of the surrender charge on the Retirement Date, see "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)—Surrender Charge at the Retirement Date." For more information on the calculation of the surrender charge associated with a partial withdrawal or surrender, see "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)." Some Investment Options may impose a redemption fee of up to 2% of the amount withdrawn to deter frequent trading activity. The "Annual Investment Option Operating Expenses After Fee Waiver or Reimbursement" line in the above table shows the range of minimum and maximum fees and expenses based on the expenses of all Investment Options after taking into account fee waiver or expense reimbursement arrangements in place. Those arrangements are designed to reduce total annual portfolio operating expenses for Certificate Holders and will continue past the current year. The surrender charge is only assessed during the first eight Certificate Years. The surrender charge declines 1% annually to 0% in the ninth Certificate Year. You may annually withdraw a maximum of 10% of the Accumulated Value calculated as of the most recent prior Certificate Anniversary without incurring a surrender charge. This amount is not cumulative from Certificate Year to Certificate Year. We may waive this charge under certain circumstances. (See "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)—Amounts Not Subject to Surrender Charge.") We do not assess transfer processing fees for the first twelve (12) transfers in a Certificate Year, but we may impose a charge of $25 for the thirteenth (13th) and each subsequent transfer during a Certificate Year. We currently deduct an annual administrative charge of $30 on the Issue Date and on each Certificate Anniversary prior to the Retirement Date and may waive the charge if your initial premium payment, or whenever your Accumulated Value on the most recent Certificate Anniversary, is $50,000 or greater. The Investment Option includes a volatility management strategy as part of the Investment Option's investment objective and/or principal investment strategy. See "Volatility Management Strategies" contained herein. You could lose money by investing in the Federated Hermes Government Money Fund II. Although the Federated Hermes Government Money Fund II seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Federated Hermes Government Money Fund II is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Federated Hermes Government Money Fund II's sponsor has no legal obligation to provide financial support to the Federated Hermes Government Money Fund II, and you should not expect that the sponsor will provide financial support to the Federated Hermes Government Money Fund II at any time. The yield of the Fund may become very low during periods of low interest rates. After deduction of Separate Account Annual Expenses, the yield of the Subaccount that invests in the Fund could be negative. If the yield of the Subaccount becomes negative, Accumulated Value invested in the Subaccount may decline. These Investment Options and their investment advisers have entered into fee waivers or expense reimbursement arrangements. These temporary fee reductions are reflected in their annual expenses. Those arrangements are designed to reduce total annual portfolio operating expenses for Certificate Holders and will continue past the current year.