0000727892
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
2026-05-01
2026-05-01
0000727892
cik0000727892:MarketValueAdjustmentMember
cik0000727892:C000266991Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
vip:RiskOfLossMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
vip:NotShortTermInvestmentRiskMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
vip:InsuranceCompanyRiskMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
vip:InvestmentOptionsRiskMember
2026-05-01
2026-05-01
0000727892
cik0000727892:AccountValueEqualsOrExceeds50000Member
cik0000727892:C000266991Member
2026-05-01
2026-05-01
0000727892
cik0000727892:ChargeAtFullSurrenderMember
cik0000727892:C000266991Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:CybersecurityRiskMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:PotentialAdverseTaxConsequencesMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ManagedVolatilityFundRiskMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:PurchasePaymentRiskMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:CertificateChangesRiskMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:FinancialStrengthAndClaimspayingAbilityRiskMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
vip:EarlyWithdrawalRiskMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:SubaccountRiskMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:GPARiskMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:FixedAccountMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:SpecialDCAFixedAccountMember
2026-05-01
2026-05-01
0000727892
cik0000727892:DollarCostAveragingMember
cik0000727892:C000266991Member
2026-05-01
2026-05-01
0000727892
cik0000727892:SpecialDollarCostAveragingSDCAMember
cik0000727892:C000266991Member
2026-05-01
2026-05-01
0000727892
cik0000727892:AssetRebalancingMember
cik0000727892:C000266991Member
2026-05-01
2026-05-01
0000727892
cik0000727892:StandardDeathBenefitavailableforcertificateownersage79andyoungerMember
cik0000727892:C000266991Member
2026-05-01
2026-05-01
0000727892
cik0000727892:StandardDeathBenefitavailableforcertificateownersage80andolderMember
cik0000727892:C000266991Member
2026-05-01
2026-05-01
0000727892
vip:StandardDeathBenefitMember
cik0000727892:C000266991Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioHighYieldBondFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioIncomeOpportunitiesFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ABVPSDynamicAssetAllocationPortfolioClassBMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:AbVpsLargeCapGrowthPortfolioClassBMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:AllspringVTOpportunityFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:AllspringVTSmallCapGrowthFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioCornerstoneGrowthFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioDisciplinedCoreFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioDividendOpportunityFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioEmergingMarketsBondFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioEmergingMarketsFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioGovernmentMoneyMarketFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ALPSAlerianEnergyInfrastructurePortfolioClassIIIMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:BlackRockGlobalAllocationVIFundClassIIIMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioBalancedFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioBalancedFundClass3Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioCommodityStrategyFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioContrarianCoreFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:CTIVPTRowePriceLargeCapValueFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:CTIVPTCWTotalReturnBondFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:CTIVPVictorySycamoreEstablishedValueFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:CTIVPWellingtonLargeCapValueFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:CtivpWestfieldMidCapGrowthFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:CtivpWestfieldSelectLargeCapGrowthFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioStrategicIncomeFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioUSGovernmentMortgageFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:CTIVPBlackRockGlobalInflationLinkedSecuritiesFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:CTIVPCenterSquareRealEstateFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:CTIVPFidelityInstitutionalAMTotalBondFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:CtivpPrincipalLargeCapGrowthFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioSelectCorporateIncomeFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioSelectLargeCapValueFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioSelectMidCapGrowthFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioSelectMidCapValueFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioSelectShortCorporateIncomeFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioSelectSmallCapValueFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioIntermediateBondFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioLargeCapIndexFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioLargeCapIndexFundClass3Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:DwsAlternativeAssetAllocationVipClassBMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:FidelityVipContrafundPortfolioServiceClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:FidelityVipMidCapPortfolioServiceClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:FidelityVipStrategicIncomePortfolioServiceClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:LvipAmericanCenturyValueFundServiceClassMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:MfsUtilitiesSeriesServiceClassMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:FranklinMutualSharesVipFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:FranklinSmallCapValueVipFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:InvescoViBalancedriskAllocationFundSeriesIiSharesMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:InvescoViGlobalFundSeriesIiSharesMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:InvescoViGlobalStrategicIncomeFundSeriesIiSharesMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:InvescoViMainStreetSmallCapFundSeriesIiSharesMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:FranklinIncomeVipFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioLongGovernmentCreditBondFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ColumbiaVariablePortfolioOverseasCoreFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioUsFlexibleConservativeGrowthFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioUsFlexibleGrowthFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioUsFlexibleModerateGrowthFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:WesternAssetVariableGlobalHighYieldBondPortfolioClassIiMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioPartnersCoreBondFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioPartnersCoreEquityFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioPartnersInternationalCoreEquityFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioPartnersInternationalGrowthFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioPartnersInternationalValueFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioManagedVolatilityGrowthFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioManagedVolatilityModerateGrowthFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioModeratePortfolioClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioModeratelyAggressivePortfolioClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioModeratelyConservativePortfolioClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:NeubergerBermanAmtQualityEquityPortfolioClassSMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:NomuraVipAssetStrategySeriesServiceClassMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioAggressivePortfolioClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioConservativePortfolioClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioManagedRiskFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioManagedRiskUsFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioManagedVolatilityConservativeFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VariablePortfolioManagedVolatilityConservativeGrowthFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:MorganStanleyVifDiscoveryPortfolioClassIiSharesMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:PimcoVitAllAssetPortfolioAdvisorClassMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:PimcoVitGlobalManagedAssetAllocationPortfolioAdvisorClassMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:PimcoVitTotalReturnPortfolioAdvisorClassMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:TempletonGlobalBondVipFundClass2Member
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:VaneckVipGlobalGoldFundClassSSharesMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:JanusHendersonBalancedPortfolioServiceSharesMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:JanusHendersonFlexibleBondPortfolioServiceSharesMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:JanusHendersonResearchPortfolioServiceSharesMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:LazardRetirementGlobalDynamicMultiassetPortfolioServiceSharesMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:OneYearGuaranteePeriodAccountMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:TwoYearGuaranteePeriodAccountMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:ThreeYearGuaranteePeriodAccountMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:TenYearGuaranteePeriodAccountMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:LoanAccountMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:FourYearGuaranteePeriodAccountMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:FiveYearGuaranteePeriodAccountMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:SixYearGuaranteePeriodAccountMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:SevenYearGuaranteePeriodAccountMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:EightYearGuaranteePeriodAccountMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:NineYearGuaranteePeriodAccountMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:PointToPoint6MonthsMember
cik0000727892:SpecialDCAFixedAccountMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:SpecialDCAFixedAccountMember
2026-05-01
2026-05-01
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:LoanAccountMember
2012-01-01
2012-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointToPoint6MonthsMember
cik0000727892:SpecialDCAFixedAccountMember
2012-01-01
2012-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:SpecialDCAFixedAccountMember
2012-01-01
2012-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:LoanAccountMember
2014-01-01
2014-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointToPoint6MonthsMember
cik0000727892:SpecialDCAFixedAccountMember
2014-01-01
2014-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:SpecialDCAFixedAccountMember
2014-01-01
2014-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:LoanAccountMember
2015-01-01
2015-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointToPoint6MonthsMember
cik0000727892:SpecialDCAFixedAccountMember
2015-01-01
2015-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:SpecialDCAFixedAccountMember
2015-01-01
2015-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:LoanAccountMember
2013-01-01
2013-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointToPoint6MonthsMember
cik0000727892:SpecialDCAFixedAccountMember
2013-01-01
2013-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:SpecialDCAFixedAccountMember
2013-01-01
2013-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:LoanAccountMember
2016-01-01
2016-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointToPoint6MonthsMember
cik0000727892:SpecialDCAFixedAccountMember
2016-01-01
2016-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:SpecialDCAFixedAccountMember
2016-01-01
2016-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:LoanAccountMember
2017-01-01
2017-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointToPoint6MonthsMember
cik0000727892:SpecialDCAFixedAccountMember
2017-01-01
2017-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:SpecialDCAFixedAccountMember
2017-01-01
2017-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:LoanAccountMember
2018-01-01
2018-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:SpecialDCAFixedAccountMember
2018-01-01
2018-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointToPoint6MonthsMember
cik0000727892:SpecialDCAFixedAccountMember
2018-01-01
2018-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:LoanAccountMember
2019-01-01
2019-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:SpecialDCAFixedAccountMember
2019-01-01
2019-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointToPoint6MonthsMember
cik0000727892:SpecialDCAFixedAccountMember
2019-01-01
2019-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:LoanAccountMember
2020-01-01
2020-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:SpecialDCAFixedAccountMember
2020-01-01
2020-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointToPoint6MonthsMember
cik0000727892:SpecialDCAFixedAccountMember
2020-01-01
2020-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:LoanAccountMember
2021-01-01
2021-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:SpecialDCAFixedAccountMember
2021-01-01
2021-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointToPoint6MonthsMember
cik0000727892:SpecialDCAFixedAccountMember
2021-01-01
2021-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:LoanAccountMember
2022-01-01
2022-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:SpecialDCAFixedAccountMember
2022-01-01
2022-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointToPoint6MonthsMember
cik0000727892:SpecialDCAFixedAccountMember
2022-01-01
2022-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:LoanAccountMember
2023-01-01
2023-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:SpecialDCAFixedAccountMember
2023-01-01
2023-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointToPoint6MonthsMember
cik0000727892:SpecialDCAFixedAccountMember
2023-01-01
2023-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:LoanAccountMember
2024-01-01
2024-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:SpecialDCAFixedAccountMember
2024-01-01
2024-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointToPoint6MonthsMember
cik0000727892:SpecialDCAFixedAccountMember
2024-01-01
2024-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:SpecialDCAFixedAccountMember
2025-01-01
2025-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointToPoint6MonthsMember
cik0000727892:SpecialDCAFixedAccountMember
2025-01-01
2025-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:LoanAccountMember
2025-01-01
2025-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:SpecialDCAFixedAccountMember
2026-01-01
2026-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointToPoint6MonthsMember
cik0000727892:SpecialDCAFixedAccountMember
2026-01-01
2026-12-31
0000727892
cik0000727892:C000266991Member
cik0000727892:PointtoPoint1YearMember
cik0000727892:LoanAccountMember
2026-01-01
2026-12-31
iso4217:USD
pure
cik0000727892:CONTRACT
0000727892
false
1.00
2026-04-30
N-4
N-4
RiverSource Life Insurance Company
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="height:38.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">FEES, EXPENSES, AND ADJUSTMENTS</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;background-color:#E5E5E5;border-right:0.5pt solid #000000"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Location in </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Statutory </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Prospectus</div></div></div></div></td></tr>
<tr style="height:192.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Are There Charges </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">or Adjustments for </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Early </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Withdrawals?</div></div></div></div></td>
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">. A positive or negative MVA is assessed if any portion of a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">surrendered or transferred more than thirty days before the end of its </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">guarantee period. </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">You could lose up to </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">% of the amount withdrawn from </div> </div></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> as a result of a negative MVA.</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">For example, if you allocate $100,000 to a GPA with a 3-year guarantee </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">period and later withdraw the entire amount before the 3 years have </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">ended, you could lose up to $</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"></div>100,000</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> of your investment. This loss will be </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">greater if you also have to pay taxes and tax penalties.</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">The following transactions when applied to a GPA, which we refer to </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">as “early surrenders,” are subject to an MVA when they occur more than </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">30 days prior to the end of the guarantee period, unless an exception </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">applies: (i) surrenders (including full and partial surrenders, systematic </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawals, and required minimum distributions), (ii) transfers, and </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(iii) annuitization. We will not apply a negative MVA to the payment of the </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">death benefit. An MVA may increase the death benefit but will not decrease </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">it.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Fee Table and </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Examples</div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Charges and </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adjustments – </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adjustments – </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Market Value </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adjustments</div></div></div></div></td></tr>
<tr style="height:37.75pt">
<td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.375pt; padding-top: 2.375pt; vertical-align: top; width: 93.5pt;"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Are There </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Transaction </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Charges?</div></div></div></div></td>
<td colspan="3" style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 2.375pt; padding-top: 2.375pt; vertical-align: top; width: 341pt;"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">No. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Other than a certificate administrative charge and negative MVAs, we </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">do not assess any transaction charges.</div></div></div></td>
<td style="padding-bottom: 2.375pt; padding-top: 2.375pt; vertical-align: top; width: 93.5pt; border-right: 0.5pt solid rgb(0, 0, 0);"><div style="line-height:0.5pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td></tr></table>
<table style="text-align:start; border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="height:26.75pt">
<td rowspan="7" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Are There Ongoing </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Fees and </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Expenses?</div></div></div></div></td>
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> The table below describes the current fees and expenses that <div style="display:inline;">yo</div>u </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">may pay </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, depending on the investment options you choose.</div></div></div></div></td>
<td rowspan="7" style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Fee Table and </div></div></div><div style="margin-block: 0em;"> </div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Examples</div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Charges and </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adjustments – </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Annual Contract </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Expenses</div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Appendix A: </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investment </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Options Available </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Under the </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> and </div></div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Certificate</div></div></div></div></td></tr>
<tr style="height:15.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Annual Fee</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Maximum</div></div></div></div></td></tr>
<tr style="height:26.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Base </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">(1)</div></div> <div style="clear:right"></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">0.60%</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">0.60%</div></div></div></td></tr>
<tr style="height:26.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund options</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> fees and expenses)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">(2)</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">0.39</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">%</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">2.32</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">%</div></div></div></div></td></tr>
<tr style="height:120.75pt">
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(1) </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">As a percentage of average daily </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> account value in the </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">variable account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">. Includes the Mortality and Expense Fee and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">administrative charge.</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(2) </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">As a percentage of Fund net assets.</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Because your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is customizable, the choices you make affect how </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">much you will pay. To help you understand the cost of owning your </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, the following table shows the lowest and highest cost you could </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">pay </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, based on current charges. This estimate assumes that you </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">do not take withdrawals from the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, which could add negative </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">MVAs that substantially increase costs.</div></div></div></td></tr>
<tr style="height:26.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Lowest Annual Cost:</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">925</div></div></div></div></td>
<td colspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Highest Annual Cost:</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">2,545</div></div></div></div></td></tr>
<tr style="height:104.75pt">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:171pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Assumes:</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Investment of $100,000</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">5% annual appreciation</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Least expensive combination of </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">Fund fees and expenses</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">No sales charge</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">No additional purchase payments, </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">transfers or withdrawals</div></div></div></td>
<td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:170pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Assumes:</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Investment of $100,000</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">5% annual appreciation</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Most expensive combination of </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">Fund fees and expenses</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">No sales charge</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">No additional purchase payments, </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">transfers or withdrawals</div></div></div></td></tr></table>
<div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">. A positive or negative MVA is assessed if any portion of a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">surrendered or transferred more than thirty days before the end of its </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">guarantee period. </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">You could lose up to </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">% of the amount withdrawn from </div> </div></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> as a result of a negative MVA.</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">For example, if you allocate $100,000 to a GPA with a 3-year guarantee </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">period and later withdraw the entire amount before the 3 years have </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">ended, you could lose up to $</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"></div>100,000</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> of your investment. This loss will be </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">greater if you also have to pay taxes and tax penalties.</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">The following transactions when applied to a GPA, which we refer to </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">as “early surrenders,” are subject to an MVA when they occur more than </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">30 days prior to the end of the guarantee period, unless an exception </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">applies: (i) surrenders (including full and partial surrenders, systematic </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawals, and required minimum distributions), (ii) transfers, and </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(iii) annuitization. We will not apply a negative MVA to the payment of the </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">death benefit. An MVA may increase the death benefit but will not decrease </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">it.</div></div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">You could lose up to </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">% of the amount withdrawn from </div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> as a result of a negative MVA.</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">For example, if you allocate $100,000 to a GPA with a 3-year guarantee </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">period and later withdraw the entire amount before the 3 years have </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">ended, you could lose up to $</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"></div>100,000</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> of your investment. This loss will be </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">greater if you also have to pay taxes and tax penalties.</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">The following transactions when applied to a GPA, which we refer to </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">as “early surrenders,” are subject to an MVA when they occur more than </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">30 days prior to the end of the guarantee period, unless an exception </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">applies: (i) surrenders (including full and partial surrenders, systematic </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawals, and required minimum distributions), (ii) transfers, and </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(iii) annuitization. We will not apply a negative MVA to the payment of the </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">death benefit. An MVA may increase the death benefit but will not decrease </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">it.</div></div>
1
<div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">For example, if you allocate $100,000 to a GPA with a 3-year guarantee </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">period and later withdraw the entire amount before the 3 years have </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">ended, you could lose up to $</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;"></div>100,000</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> of your investment. This loss will be </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">greater if you also have to pay taxes and tax penalties.</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">The following transactions when applied to a GPA, which we refer to </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">as “early surrenders,” are subject to an MVA when they occur more than </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">30 days prior to the end of the guarantee period, unless an exception </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">applies: (i) surrenders (including full and partial surrenders, systematic </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawals, and required minimum distributions), (ii) transfers, and </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(iii) annuitization. We will not apply a negative MVA to the payment of the </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">death benefit. An MVA may increase the death benefit but will not decrease </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">it.</div></div>
100000
<div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">No. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Other than a certificate administrative charge and negative MVAs, we </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">do not assess any transaction charges.</div></div>
<div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">No. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Other than a certificate administrative charge and negative MVAs, we </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">do not assess any transaction charges.</div></div>
<table style="text-align:start; border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="height:26.75pt">
<td rowspan="7" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Are There Ongoing </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Fees and </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Expenses?</div></div></div></div></td>
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> The table below describes the current fees and expenses that <div style="display:inline;">yo</div>u </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">may pay </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, depending on the investment options you choose.</div></div></div></div></td>
<td rowspan="7" style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Fee Table and </div></div></div><div style="margin-block: 0em;"> </div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Examples</div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Charges and </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adjustments – </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Annual Contract </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Expenses</div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Appendix A: </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investment </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Options Available </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Under the </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> and </div></div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Certificate</div></div></div></div></td></tr>
<tr style="height:15.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Annual Fee</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Maximum</div></div></div></div></td></tr>
<tr style="height:26.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Base </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">(1)</div></div> <div style="clear:right"></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">0.60%</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">0.60%</div></div></div></td></tr>
<tr style="height:26.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund options</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> fees and expenses)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">(2)</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">0.39</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">%</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">2.32</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">%</div></div></div></div></td></tr>
<tr style="height:120.75pt">
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(1) </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">As a percentage of average daily </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> account value in the </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">variable account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">. Includes the Mortality and Expense Fee and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">administrative charge.</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(2) </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">As a percentage of Fund net assets.</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Because your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is customizable, the choices you make affect how </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">much you will pay. To help you understand the cost of owning your </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, the following table shows the lowest and highest cost you could </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">pay </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">each year</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, based on current charges. This estimate assumes that you </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">do not take withdrawals from the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, which could add negative </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">MVAs that substantially increase costs.</div></div></div></td></tr>
<tr style="height:26.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:171pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Lowest Annual Cost:</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">925</div></div></div></div></td>
<td colspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Highest Annual Cost:</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">2,545</div></div></div></div></td></tr>
<tr style="height:104.75pt">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:171pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Assumes:</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Investment of $100,000</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">5% annual appreciation</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Least expensive combination of </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">Fund fees and expenses</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">No sales charge</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">No additional purchase payments, </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">transfers or withdrawals</div></div></div></td>
<td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:170pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Assumes:</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Investment of $100,000</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">5% annual appreciation</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Most expensive combination of </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">Fund fees and expenses</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">No sales charge</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">No additional purchase payments, </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">transfers or withdrawals</div></div></div></td></tr></table>
0.006
0.006
0.0039
0.0232
<div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(1) </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">As a percentage of average daily </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> account value in the </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">variable account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">. Includes the Mortality and Expense Fee and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">administrative charge.</div></div>
As a percentage of Fund net assets.
925
2545
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="height:38.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">RISKS</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;background-color:#E5E5E5;border-right:0.5pt solid #000000"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Location in </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Statutory </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Prospectus</div></div></div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Is There a Risk of </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Loss from Poor </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Performance?</div></div></div></div></td>
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">You can lose money by investing in this </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> including loss of </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">principal.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Principal Risks of </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investing in the </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Contract and </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Certificate</div></div></div></div></td></tr>
<tr style="height:214.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Is This a </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Short-Term </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investment?</div></div></div></div></td>
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">No.</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">The </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is not a short-term investment and is not appropriate for </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">an investor who needs ready access to cash.</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Surrenders may also be subject to taxes and tax penalties.</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Surrenders from a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> prior to 30 days before the end of the guarantee </div> </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">period may also result in a negative MVA. During the 30-day period </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">ending on the last day of the guarantee period, you may choose to start </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">a new guarantee period of the same length, transfer the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">account value from the current </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> to any of the investment options </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">available under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, apply the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> account value to an </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">annuity payout plan, or surrender the value from the current </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> (all </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">subject to applicable surrender, transfer, and annuitization provisions).</div> <div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">If </div> </div></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">we do not receive any instructions by the end of the guarantee period, we </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">will automatically transfer the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> account value from the current </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> into the shortest </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> term available.</div></div></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">The benefits of tax deferral and long-term income mean the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">generally more beneficial to investors with a long term investment </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">horizon.</div></div> </div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Principal Risks of </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investing in the </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Contract and </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Certificate</div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Charges and </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adjustments – </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adjustments – </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Market Value </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adjustments</div></div></div></div></td></tr>
<tr style="height:165.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">What Are the </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Risks Associated </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">With the </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investment </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Options?</div></div></div></div></td>
<td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:341pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;margin-top:3pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">An investment in the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is subject to the risk of poor investment </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">performance and can vary depending on the performance of the </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">investment options available under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">.</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Each investment option (including under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPAs</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> and any </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fixed Account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">investment options) has its own unique risks.</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">You should review the investment options before making any investment </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">decisions.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Principal Risks of </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investing in the </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Contract and </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Certificate</div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">The Variable </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Account and the </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Funds</div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">The “Nonunitized” </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Separate Account </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">and the Guarantee </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Period Accounts </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">(GPAs)</div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fixed Account</div></div></div></div></div></td></tr>
<tr style="height:78.75pt">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">What Are the </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Risks Related to </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">the Insurance </div></div></div><div style="margin-left:4pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Company?</div></div></div></div></td>
<td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:341pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">An investment in the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is subject to the risks related to us. Any </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">obligations (including under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fixed Account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">) or guarantees and benefits </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> that exceed the assets of the Separate Account are </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">subject to our claims-paying ability. If we experience financial distress, we </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">may not be able to meet our obligations to you. More information about </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">RiverSource Life, including our financial strength ratings, is available by </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">contacting us at </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1-800-862-7919</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">.</div></div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:93.5pt;border-right:0.5pt solid #000000"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Principal Risks of </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investing in the </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Contract and </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Certificate</div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">The General </div></div></div><div style="margin-left:4.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Account</div></div></div></div></td></tr></table>
<div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">You can lose money by investing in this </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> including loss of </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">principal.</div></div>
<div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">No.</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">The </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is not a short-term investment and is not appropriate for </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">an investor who needs ready access to cash.</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Surrenders may also be subject to taxes and tax penalties.</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Surrenders from a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> prior to 30 days before the end of the guarantee </div> </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">period may also result in a negative MVA. During the 30-day period </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">ending on the last day of the guarantee period, you may choose to start </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">a new guarantee period of the same length, transfer the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">account value from the current </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> to any of the investment options </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">available under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, apply the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> account value to an </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">annuity payout plan, or surrender the value from the current </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> (all </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">subject to applicable surrender, transfer, and annuitization provisions).</div> <div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">If </div> </div></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">we do not receive any instructions by the end of the guarantee period, we </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">will automatically transfer the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> account value from the current </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> into the shortest </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> term available.</div></div></div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">The benefits of tax deferral and long-term income mean the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">generally more beneficial to investors with a long term investment </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">horizon.</div></div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Surrenders from a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> prior to 30 days before the end of the guarantee </div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">period may also result in a negative MVA. During the 30-day period </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">ending on the last day of the guarantee period, you may choose to start </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">a new guarantee period of the same length, transfer the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">account value from the current </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> to any of the investment options </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">available under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, apply the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> account value to an </div></div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">annuity payout plan, or surrender the value from the current </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> (all </div>subject to applicable surrender, transfer, and annuitization provisions).
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">If </div> <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">we do not receive any instructions by the end of the guarantee period, we </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">will automatically transfer the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> account value from the current </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> into the shortest </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> term available.</div></div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">The benefits of tax deferral and long-term income mean the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is </div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">generally more beneficial to investors with a long term investment </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">horizon.</div></div>
<div style="margin-left:4.75pt;margin-right:4.75pt;margin-top:3pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">An investment in the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is subject to the risk of poor investment </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">performance and can vary depending on the performance of the </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">investment options available under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">.</div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Each investment option (including under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPAs</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> and any </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fixed Account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">investment options) has its own unique risks.</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">You should review the investment options before making any investment </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">decisions.</div></div>
<div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">An investment in the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> is subject to the risks related to us. Any </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">obligations (including under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fixed Account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">) or guarantees and benefits </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> that exceed the assets of the Separate Account are </div></div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">subject to our claims-paying ability. If we experience financial distress, we </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">may not be able to meet our obligations to you. More information about </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">RiverSource Life, including our financial strength ratings, is available by </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">contacting us at </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1-800-862-7919</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">.</div></div></div>
<div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Yes.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> Subject to certain restrictions, you may transfer your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">account value</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> among the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">subaccount</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">s without charge at any time before </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">annuitization start date</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, and once per </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">contract year</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> after the </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">annuitization start date</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">.</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Certain transfers out of the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPAs</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> will be subject to an </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">MVA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">.</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">We reserve the right to modify, restrict or suspend your transfer </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">privileges if we determine that your transfer activity constitutes market </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">timing.</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">We reserve the right to add, remove or substitute </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> as investment </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">options. We also reserve the right, upon notification to you, to close or </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">restrict any </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">.</div></div>
<div style="margin-left:4.75pt;margin-right:4.75pt;margin-top:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Consult with a tax advisor to determine the tax implications of an </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">investment in and payments and withdrawals received under this </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">.</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">If you purchase the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> through a tax-qualified </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">plan</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> or individual </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">retirement account, you do not get any additional tax benefit.</div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Earnings under your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> are taxed at ordinary income tax rates </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">generally when withdrawn. You may have to pay a tax penalty if you take </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">a withdrawal before age 59½.</div></div>
<div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Your investment professional may receive compensation for selling this </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> to you, in the form of commissions, additional cash benefits </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(e.g., bonuses), and non-cash compensation. This financial incentive may </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">influence your investment professional to recommend this </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> over </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">another investment for which the investment professional is not </div></div><div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">compensated or compensated less.</div></div>
<div style="line-height:16.74pt;text-align:left"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;">Fee Table and Examples</div></div><div style="line-height:10.2300pt;margin-top:2.00pt;text-align:left"><div style="margin-top:2pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The following tables describe the fees</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">,</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> expenses </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">and adjustments </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">that you will pay when buying, owning, </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">surrendering, or making withdrawals from </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">an investment option or from the Certificate.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Please refer to your </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Certificate Data page for information about the specific fees you will pay each year based on the options you have </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">elected.</div></div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate account</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> value is removed from an investment option before the expiration of a specified period.</div></div></div></div><div style="line-height:12.0pt;margin-top:2.00pt;text-align:left"><div style="background-color:#E5E5E5;margin-left:0%"><div style="margin-left:0%"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Adjustments</div></div></div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:528pt">
<tr style="height:auto">
<td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:355.92pt"><div style="line-height:11.00pt;text-align:left"><div style="margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"></div></div><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">MVA Maximum Potential Loss </div></div><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(as a percentage of amount withdrawn from a GPA)</div><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">(1)</div> <div style="clear:right"> </div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:172.08pt"><div style="line-height:11.00pt;text-align:left"><div style="margin-left:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100%</div></div></div></td></tr></table></div><div><div style="clear:both;margin-top:6.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;text-align:left;width:7.2pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">(1)</div></div><div style="float:left;line-height:8.44pt;margin-left:4.8pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">The following transactions when applied to a GPA, which we refer to as “early surrenders,” are subject to an MVA when they occur more than </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">30 days prior to the end of the guarantee period, unless an exception applies: (i) surrenders (including full and partial surrenders, systematic </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawals, and required minimum distributions), (ii) transfers, and (iii) annuitization. We will not apply a negative MVA to the payment of the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">death benefit. An MVA may increase the death benefit but will not decrease it.</div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div> <div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The following table describes the fees and expenses that you will pay </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">each year </div></div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">during the time that you </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">own the </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> (not including </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">funds</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> fees and expenses). </div></div></div></div><div style="line-height:12.0pt;margin-top:2.00pt;text-align:left"><div style="background-color:#E5E5E5;margin-left:0%"><div style="margin-left:0%"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Expenses</div></div></div></div></div><div style="line-height:10.2300pt;margin-top:9.00pt;text-align:left"><div style="margin-top:9pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Administrative Expenses</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt">
<tr style="height:14.75pt">
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:411.35pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> administrative charge</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:66.38pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Maximum:</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> $</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">50</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.27pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current:</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> $</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:411.35pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> administrative charge if your </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate account value</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> equals or exceeds $50,000</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:66.38pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Maximum:</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> $</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">20</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.27pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current:</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> $</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0</div></div></div></td></tr>
<tr style="height:9.25pt">
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:411.35pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> administrative charge at full surrender</div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:66.38pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Maximum:</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> $</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">50</div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:50.27pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current:</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> $</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0</div></div></div></td></tr></table></div><div style="line-height:10.2300pt;margin-top:2pt;text-align:left"><div style="margin-top:2pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Base </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Expenses</div></div> <br/><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">(as a percentage of average daily </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account value</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> in the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">variable account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt">
<tr style="height:auto">
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:481.21pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Mortality and expense risk fee</div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;white-space:nowrap;width:46.79pt"><div style="line-height:7.4400pt;margin-left:6pt;margin-right:12pt;text-align:right;width:16.79pt"><div style="display:flex;margin:auto;width:18.79pt"><div style="display:flex;white-space:nowrap;width:18.79pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 18.79pt; letter-spacing: 0px; top: 0px;display:inline;">0.60</div></div><div style="display:flex"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">%</div></div></div></div></td></tr></table></div><div style="line-height:10.2300pt;margin-top:6pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next table shows the minimum and maximum total operating expenses charged by the </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">funds</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> that you may pay </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">periodically during the time that you own the </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. Expenses shown may change over time and may be higher </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">or lower in the future. A complete list of </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">funds</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> available under the </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">contract</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> and </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">, including their annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">expenses, may be found in Appendix A.</div></div></div></div><div style="line-height:12.0pt;margin-top:2.00pt;text-align:left"><div style="background-color:#E5E5E5;margin-left:0%"><div style="margin-left:0%"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fund</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Expenses</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1)</div></div></div></div></div><div style="line-height:10.2300pt;margin-top:9.00pt;text-align:left"><div style="margin-top:9pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum and maximum annual operating expenses for the </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">funds</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="line-height:8.3700pt;margin-top:1.00pt;text-align:left"><div style="margin-top:1pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">(Including management, distribution (12b-1) and/or service fees and other expenses)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">(1)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:0.00pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt">
<tr style="height:11.75pt">
<td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:379.51pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:18pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Total Annual Fund Expenses</div></div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:80.63pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:18pt;margin-right:18pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum(%)</div></div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:67.86pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:18pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Maximum(%)</div></div></div></div></td></tr>
<tr style="height:15.25pt">
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Top;width:379.51pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:18pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(expenses deducted from the Fund assets, including management fees, distribution and/or service </div></div><div style="margin-left:3pt;margin-right:18pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(12b-1) fees and other expenses)</div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Top;width:80.63pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:18pt;margin-right:18pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0.39</div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Top;width:67.86pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:18pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2.32</div></div></div></div></td></tr></table></div><div><div style="clear:both;margin-top:6.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;margin-left:10.8pt;text-align:right"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">(1)</div></div><div style="float:left;line-height:8.44pt;margin-left:4.0pt;text-align:left;width:501.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">Total annual fund operating expenses are deducted from amounts that are allocated to the fund. They include management fees and other </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">expenses and may include distribution (12b-1) fees. Other expenses may include service fees that may be used to compensate service </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">providers, including us and our affiliates, for administrative and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> owner services provided on behalf of the fund. The amount of these </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">payments will vary by fund and may be significant. See “The </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> and the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">Funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">” for additional information, including potential </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">conflicts of interest these payments may create. Distribution (12b-1) fees are used to finance any activity that is primarily intended to result in </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">the sale of fund shares. Because 12b-1 fees are paid out of fund assets on an ongoing basis, you may pay more if you select </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">subaccount</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">s </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">investing in </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> that have adopted 12b-1 </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">plan</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">s than if you select </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">subaccount</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">s investing in </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> that have not adopted 12b-1 </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">plan</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">s. For a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">more complete description of each </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">fund’s</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> fees and expenses and important disclosure regarding payments the fund and/or its affiliates make, </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">please review the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">fund’s</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> prospectus and SAI.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div>
<div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate account</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> value is removed from an investment option before the expiration of a specified period.</div></div></div></div><div style="line-height:12.0pt;margin-top:2.00pt;text-align:left"><div style="background-color:#E5E5E5;margin-left:0%"><div style="margin-left:0%"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Adjustments</div></div></div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:528pt">
<tr style="height:auto">
<td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:355.92pt"><div style="line-height:11.00pt;text-align:left"><div style="margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"></div></div><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">MVA Maximum Potential Loss </div></div><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(as a percentage of amount withdrawn from a GPA)</div><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">(1)</div> <div style="clear:right"> </div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;width:172.08pt"><div style="line-height:11.00pt;text-align:left"><div style="margin-left:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">100%</div></div></div></td></tr></table></div><div><div style="clear:both;margin-top:6.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;text-align:left;width:7.2pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">(1)</div></div><div style="float:left;line-height:8.44pt;margin-left:4.8pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">The following transactions when applied to a GPA, which we refer to as “early surrenders,” are subject to an MVA when they occur more than </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">30 days prior to the end of the guarantee period, unless an exception applies: (i) surrenders (including full and partial surrenders, systematic </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawals, and required minimum distributions), (ii) transfers, and (iii) annuitization. We will not apply a negative MVA to the payment of the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">death benefit. An MVA may increase the death benefit but will not decrease it.</div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div>
<div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">MVA Maximum Potential Loss </div></div><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(as a percentage of amount withdrawn from a GPA)</div>
1
<div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The following table describes the fees and expenses that you will pay </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="font-weight:bolder;display:inline;">each year </div></div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">during the time that you </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">own the </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> (not including </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">funds</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> fees and expenses). </div></div></div></div><div style="line-height:12.0pt;margin-top:2.00pt;text-align:left"><div style="background-color:#E5E5E5;margin-left:0%"><div style="margin-left:0%"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Expenses</div></div></div></div></div><div style="line-height:10.2300pt;margin-top:9.00pt;text-align:left"><div style="margin-top:9pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Administrative Expenses</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt">
<tr style="height:14.75pt">
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:411.35pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> administrative charge</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:66.38pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Maximum:</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> $</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">50</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.27pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current:</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> $</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:411.35pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> administrative charge if your </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate account value</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> equals or exceeds $50,000</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:66.38pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Maximum:</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> $</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">20</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.27pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current:</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> $</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0</div></div></div></td></tr>
<tr style="height:9.25pt">
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:411.35pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> administrative charge at full surrender</div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:66.38pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Maximum:</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> $</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">50</div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:50.27pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:6pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Current:</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> $</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0</div></div></div></td></tr></table></div><div style="line-height:10.2300pt;margin-top:2pt;text-align:left"><div style="margin-top:2pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Base </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Expenses</div></div> <br/><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">(as a percentage of average daily </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account value</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> in the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">variable account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt">
<tr style="height:auto">
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:481.21pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Mortality and expense risk fee</div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;white-space:nowrap;width:46.79pt"><div style="line-height:7.4400pt;margin-left:6pt;margin-right:12pt;text-align:right;width:16.79pt"><div style="display:flex;margin:auto;width:18.79pt"><div style="display:flex;white-space:nowrap;width:18.79pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 18.79pt; letter-spacing: 0px; top: 0px;display:inline;">0.60</div></div><div style="display:flex"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">%</div></div></div></div></td></tr></table></div>
50
0
20
0
50
0
0.006
<div style="line-height:12.0pt;margin-top:2.00pt;text-align:left"><div style="background-color:#E5E5E5;margin-left:0%"><div style="margin-left:0%"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fund</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Expenses</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(1)</div></div></div></div></div><div style="line-height:10.2300pt;margin-top:9.00pt;text-align:left"><div style="margin-top:9pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum and maximum annual operating expenses for the </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">funds</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="line-height:8.3700pt;margin-top:1.00pt;text-align:left"><div style="margin-top:1pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">(Including management, distribution (12b-1) and/or service fees and other expenses)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">(1)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:0.00pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt">
<tr style="height:11.75pt">
<td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:379.51pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:18pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Total Annual Fund Expenses</div></div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:80.63pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:18pt;margin-right:18pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum(%)</div></div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:67.86pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:18pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Maximum(%)</div></div></div></div></td></tr>
<tr style="height:15.25pt">
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Top;width:379.51pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:18pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(expenses deducted from the Fund assets, including management fees, distribution and/or service </div></div><div style="margin-left:3pt;margin-right:18pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(12b-1) fees and other expenses)</div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Top;width:80.63pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:18pt;margin-right:18pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0.39</div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Top;width:67.86pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:18pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2.32</div></div></div></div></td></tr></table></div><div><div style="clear:both;margin-top:6.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;margin-left:10.8pt;text-align:right"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">(1)</div></div><div style="float:left;line-height:8.44pt;margin-left:4.0pt;text-align:left;width:501.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">Total annual fund operating expenses are deducted from amounts that are allocated to the fund. They include management fees and other </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">expenses and may include distribution (12b-1) fees. Other expenses may include service fees that may be used to compensate service </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">providers, including us and our affiliates, for administrative and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> owner services provided on behalf of the fund. The amount of these </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">payments will vary by fund and may be significant. See “The </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> and the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">Funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">” for additional information, including potential </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">conflicts of interest these payments may create. Distribution (12b-1) fees are used to finance any activity that is primarily intended to result in </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">the sale of fund shares. Because 12b-1 fees are paid out of fund assets on an ongoing basis, you may pay more if you select </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">subaccount</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">s </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">investing in </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> that have adopted 12b-1 </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">plan</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">s than if you select </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">subaccount</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">s investing in </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> that have not adopted 12b-1 </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">plan</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">s. For a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">more complete description of each </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">fund’s</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> fees and expenses and important disclosure regarding payments the fund and/or its affiliates make, </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">please review the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">fund’s</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> prospectus and SAI.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div>
<div style="margin-left:3pt;margin-right:18pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(expenses deducted from the Fund assets, including management fees, distribution and/or service </div></div><div style="margin-left:3pt;margin-right:18pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(12b-1) fees and other expenses)</div></div>
0.0039
0.0232
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">Total annual fund operating expenses are deducted from amounts that are allocated to the fund. They include management fees and other </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">expenses and may include distribution (12b-1) fees. Other expenses may include service fees that may be used to compensate service </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">providers, including us and our affiliates, for administrative and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> owner services provided on behalf of the fund. The amount of these </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">payments will vary by fund and may be significant. See “The </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> and the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">Funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">” for additional information, including potential </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">conflicts of interest these payments may create. Distribution (12b-1) fees are used to finance any activity that is primarily intended to result in </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">the sale of fund shares. Because 12b-1 fees are paid out of fund assets on an ongoing basis, you may pay more if you select </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">subaccount</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">s </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">investing in </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> that have adopted 12b-1 </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">plan</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">s than if you select </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">subaccount</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">s investing in </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> that have not adopted 12b-1 </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">plan</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">s. For a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">more complete description of each </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">fund’s</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> fees and expenses and important disclosure regarding payments the fund and/or its affiliates make, </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">please review the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">fund’s</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"> prospectus and SAI.</div>
<div style="line-height:10.2300pt;margin-top:9.00pt;text-align:left"><div style="margin-top:9pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Examples</div></div></div></div><div style="line-height:10.2300pt;margin-top:1.00pt;text-align:left"><div style="margin-top:1pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These examples are intended to help you compare the cost of investing in a </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> account with the <div style="display:inline;"><div style="display:inline;">cost </div></div>of </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">investing in other variable annuity </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">contracts</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. These costs include Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Expenses and Annual Fund </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">expenses.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The examples assume all certificate account value is allocated to the subaccounts. The examples do not reflect the </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">MVA that only applies to GPAs. Your costs could differ from those shown below if you invest in the GPAs or fixed </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">account investment options.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:10.2300pt;margin-top:0.00pt;text-align:left"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These examples assume that you invest $100,000 in the </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> account for the time periods indicated. These </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">examples also assume that your investment has a 5% return each year. The “Maximum” example further assumes </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the most expensive combination of Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Expenses and Annual Fund Expenses. The “Minimum” example </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">further assumes the least expensive combination of Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Expenses and Annual Fund Expenses. Although </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">your actual costs may be higher or lower, based on these assumptions your maximum and minimum costs would be:</div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Maximum Expenses.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> These examples assume the most expensive combination of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> features and benefits and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the maximum fees and expenses of any of the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; line-height: 10.23pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">before fee waivers and/or expense reimbursements. Although your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">actual costs may be lower, based on these assumptions your costs would be:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:0.00pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-top:1.5pt solid #FFFFFF;empty-cells:show;width:556.26pt">
<tr style="height:19.75pt">
<td colspan="4" style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:214.16pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:1pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you surrender your certificate account</div></div></div><div style="margin-left:1pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">at the end of the applicable time period:</div></div></div></div></td>
<td colspan="4" style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:342.12pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:22pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your certificate account or if you select an annuity payout plan</div></div></div><div style="margin-left:22pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">at the end of the applicable time period:</div></div></div></div></td></tr>
<tr style="height:11.25pt">
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:41.39pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:1pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:50.39pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:55.19pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:67.19pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:92.88pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:22pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:80.88pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:85.68pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:82.68pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></div></div></td></tr>
<tr style="height:9.25pt">
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:41.39pt"><div style="line-height:7.4400pt;margin-left:1pt;margin-right:10pt;text-align:right;width:26.39pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">3,043</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.39pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:26.39pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">9,306</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:55.19pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:31.19pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">15,813</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:67.19pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:24pt;text-align:right;width:31.19pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">33,212</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:92.88pt"><div style="line-height:7.4400pt;margin-left:24pt;margin-right:12pt;text-align:right;width:56.88pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">3,043</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:80.88pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:56.88pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">9,306</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:85.68pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:61.68pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">15,813</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:82.68pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:4.5pt;text-align:right;width:61.68pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">33,212</div></div></div></div></div></td></tr></table></div><div style="line-height:10.2300pt;margin-top:6pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum Expenses.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> These examples assume the least expensive combination of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> features and benefits and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the minimum fees and expenses of any of the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> before fee waivers and/or expense reimbursements. Although your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">actual costs may be higher, based on these assumptions your costs would be:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:0.00pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-top:1.5pt solid #FFFFFF;empty-cells:show;width:551.46pt">
<tr style="height:19.75pt">
<td colspan="4" style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:209.36pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:1pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you surrender your certificate account</div></div></div><div style="margin-left:1pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">at the end of the applicable time period:</div></div></div></div></td>
<td colspan="4" style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:342.12pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:22pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your certificate account or if you select an annuity payout plan</div></div></div><div style="margin-left:22pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">at the end of the applicable time period:</div></div></div></div></td></tr>
<tr style="height:11.25pt">
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:41.39pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:1pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:50.39pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:50.39pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:67.19pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:94.08pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:22pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:82.08pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:82.08pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:83.88pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></div></div></td></tr>
<tr style="height:9.25pt">
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:41.39pt"><div style="line-height:7.4400pt;margin-left:1pt;margin-right:10pt;text-align:right;width:26.39pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">1,015</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.39pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:26.39pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">3,167</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.39pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:26.39pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">5,495</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:67.19pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:24pt;text-align:right;width:31.19pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">12,175</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:94.08pt"><div style="line-height:7.4400pt;margin-left:24pt;margin-right:12pt;text-align:right;width:58.08pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">1,015</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:82.08pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:58.08pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">3,167</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:82.08pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:58.08pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">5,495</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:83.88pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:4.5pt;text-align:right;width:62.88pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">12,175</div></div></div></div></div></td></tr></table></div>
<div style="line-height:10.2300pt;margin-top:9.00pt;text-align:left"><div style="margin-top:9pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Examples</div></div></div></div><div style="line-height:10.2300pt;margin-top:1.00pt;text-align:left"><div style="margin-top:1pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These examples are intended to help you compare the cost of investing in a </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> account with the <div style="display:inline;"><div style="display:inline;">cost </div></div>of </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">investing in other variable annuity </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">contracts</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. These costs include Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Expenses and Annual Fund </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">expenses.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The examples assume all certificate account value is allocated to the subaccounts. The examples do not reflect the </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">MVA that only applies to GPAs. Your costs could differ from those shown below if you invest in the GPAs or fixed </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">account investment options.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:10.2300pt;margin-top:0.00pt;text-align:left"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These examples assume that you invest $100,000 in the </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> account for the time periods indicated. These </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">examples also assume that your investment has a 5% return each year. The “Maximum” example further assumes </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the most expensive combination of Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Expenses and Annual Fund Expenses. The “Minimum” example </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">further assumes the least expensive combination of Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Expenses and Annual Fund Expenses. Although </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">your actual costs may be higher or lower, based on these assumptions your maximum and minimum costs would be:</div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Maximum Expenses.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> These examples assume the most expensive combination of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> features and benefits and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the maximum fees and expenses of any of the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; line-height: 10.23pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">before fee waivers and/or expense reimbursements. Although your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">actual costs may be lower, based on these assumptions your costs would be:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:0.00pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-top:1.5pt solid #FFFFFF;empty-cells:show;width:556.26pt">
<tr style="height:19.75pt">
<td colspan="4" style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:214.16pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:1pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you surrender your certificate account</div></div></div><div style="margin-left:1pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">at the end of the applicable time period:</div></div></div></div></td>
<td colspan="4" style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:342.12pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:22pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your certificate account or if you select an annuity payout plan</div></div></div><div style="margin-left:22pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">at the end of the applicable time period:</div></div></div></div></td></tr>
<tr style="height:11.25pt">
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:41.39pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:1pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:50.39pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:55.19pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:67.19pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:92.88pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:22pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:80.88pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:85.68pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:82.68pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></div></div></td></tr>
<tr style="height:9.25pt">
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:41.39pt"><div style="line-height:7.4400pt;margin-left:1pt;margin-right:10pt;text-align:right;width:26.39pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">3,043</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.39pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:26.39pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">9,306</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:55.19pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:31.19pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">15,813</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:67.19pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:24pt;text-align:right;width:31.19pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">33,212</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:92.88pt"><div style="line-height:7.4400pt;margin-left:24pt;margin-right:12pt;text-align:right;width:56.88pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">3,043</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:80.88pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:56.88pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">9,306</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:85.68pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:61.68pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">15,813</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:82.68pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:4.5pt;text-align:right;width:61.68pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">33,212</div></div></div></div></div></td></tr></table></div><div style="line-height:10.2300pt;margin-top:6pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum Expenses.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> These examples assume the least expensive combination of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> features and benefits and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the minimum fees and expenses of any of the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> before fee waivers and/or expense reimbursements. Although your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">actual costs may be higher, based on these assumptions your costs would be:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:0.00pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-top:1.5pt solid #FFFFFF;empty-cells:show;width:551.46pt">
<tr style="height:19.75pt">
<td colspan="4" style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:209.36pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:1pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you surrender your certificate account</div></div></div><div style="margin-left:1pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">at the end of the applicable time period:</div></div></div></div></td>
<td colspan="4" style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:342.12pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:22pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your certificate account or if you select an annuity payout plan</div></div></div><div style="margin-left:22pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">at the end of the applicable time period:</div></div></div></div></td></tr>
<tr style="height:11.25pt">
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:41.39pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:1pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:50.39pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:50.39pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:67.19pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:94.08pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:22pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:82.08pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:82.08pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:83.88pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></div></div></td></tr>
<tr style="height:9.25pt">
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:41.39pt"><div style="line-height:7.4400pt;margin-left:1pt;margin-right:10pt;text-align:right;width:26.39pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">1,015</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.39pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:26.39pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">3,167</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.39pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:26.39pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">5,495</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:67.19pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:24pt;text-align:right;width:31.19pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">12,175</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:94.08pt"><div style="line-height:7.4400pt;margin-left:24pt;margin-right:12pt;text-align:right;width:58.08pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">1,015</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:82.08pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:58.08pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">3,167</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:82.08pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:58.08pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">5,495</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:83.88pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:4.5pt;text-align:right;width:62.88pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">12,175</div></div></div></div></div></td></tr></table></div>
<div style="line-height:10.2300pt;margin-top:9.00pt;text-align:left"><div style="margin-top:9pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Examples</div></div></div></div><div style="line-height:10.2300pt;margin-top:1.00pt;text-align:left"><div style="margin-top:1pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These examples are intended to help you compare the cost of investing in a </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> account with the <div style="display:inline;"><div style="display:inline;">cost </div></div>of </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">investing in other variable annuity </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">contracts</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">. These costs include Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Expenses and Annual Fund </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">expenses.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The examples assume all certificate account value is allocated to the subaccounts. The examples do not reflect the </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">MVA that only applies to GPAs. Your costs could differ from those shown below if you invest in the GPAs or fixed </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">account investment options.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:0.00pt;text-align:left"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">These examples assume that you invest $100,000 in the </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> account for the time periods indicated. These </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">examples also assume that your investment has a 5% return each year. The “Maximum” example further assumes </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the most expensive combination of Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Expenses and Annual Fund Expenses. The “Minimum” example </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">further assumes the least expensive combination of Annual </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Expenses and Annual Fund Expenses. Although </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">your actual costs may be higher or lower, based on these assumptions your maximum and minimum costs would be:</div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Maximum Expenses.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> These examples assume the most expensive combination of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> features and benefits and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the maximum fees and expenses of any of the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; line-height: 10.23pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">before fee waivers and/or expense reimbursements. Although your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">actual costs may be lower, based on these assumptions your costs would be:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:0.00pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-top:1.5pt solid #FFFFFF;empty-cells:show;width:556.26pt">
<tr style="height:19.75pt">
<td colspan="4" style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:214.16pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:1pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you surrender your certificate account</div></div></div><div style="margin-left:1pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">at the end of the applicable time period:</div></div></div></div></td>
<td colspan="4" style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:342.12pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:22pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your certificate account or if you select an annuity payout plan</div></div></div><div style="margin-left:22pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">at the end of the applicable time period:</div></div></div></div></td></tr>
<tr style="height:11.25pt">
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:41.39pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:1pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:50.39pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:55.19pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:67.19pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:92.88pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:22pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:80.88pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:85.68pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:82.68pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></div></div></td></tr>
<tr style="height:9.25pt">
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:41.39pt"><div style="line-height:7.4400pt;margin-left:1pt;margin-right:10pt;text-align:right;width:26.39pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">3,043</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.39pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:26.39pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">9,306</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:55.19pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:31.19pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">15,813</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:67.19pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:24pt;text-align:right;width:31.19pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">33,212</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:92.88pt"><div style="line-height:7.4400pt;margin-left:24pt;margin-right:12pt;text-align:right;width:56.88pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">3,043</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:80.88pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:56.88pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">9,306</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:85.68pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:61.68pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">15,813</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:82.68pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:4.5pt;text-align:right;width:61.68pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">33,212</div></div></div></div></div></td></tr></table></div><div style="line-height:10.2300pt;margin-top:6pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Minimum Expenses.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> These examples assume the least expensive combination of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> features and benefits and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the minimum fees and expenses of any of the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> before fee waivers and/or expense reimbursements. Although your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">actual costs may be higher, based on these assumptions your costs would be:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:0.00pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-top:1.5pt solid #FFFFFF;empty-cells:show;width:551.46pt">
<tr style="height:19.75pt">
<td colspan="4" style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:209.36pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:1pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you surrender your certificate account</div></div></div><div style="margin-left:1pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">at the end of the applicable time period:</div></div></div></div></td>
<td colspan="4" style="padding-bottom:2pt;padding-top:2pt;vertical-align:Bottom;width:342.12pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:22pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">If you do not surrender your certificate account or if you select an annuity payout plan</div></div></div><div style="margin-left:22pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">at the end of the applicable time period:</div></div></div></div></td></tr>
<tr style="height:11.25pt">
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:41.39pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:1pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:50.39pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:50.39pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:67.19pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:22pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:94.08pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:22pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 year</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:82.08pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">3 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:82.08pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 years</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:1.25pt;vertical-align:Bottom;width:83.88pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:10pt;margin-right:7pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 years</div></div></div></div></td></tr>
<tr style="height:9.25pt">
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:41.39pt"><div style="line-height:7.4400pt;margin-left:1pt;margin-right:10pt;text-align:right;width:26.39pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">1,015</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.39pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:26.39pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">3,167</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.39pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:26.39pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">5,495</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:67.19pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:24pt;text-align:right;width:31.19pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">12,175</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:94.08pt"><div style="line-height:7.4400pt;margin-left:24pt;margin-right:12pt;text-align:right;width:58.08pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">1,015</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:82.08pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:58.08pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">3,167</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:82.08pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:12pt;text-align:right;width:58.08pt"><div style="display:flex;margin:auto;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="display:flex;white-space:nowrap;width:28.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 28.39pt; letter-spacing: 0px; top: 0px;display:inline;">5,495</div></div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:83.88pt"><div style="line-height:7.4400pt;margin-left:12pt;margin-right:4.5pt;text-align:right;width:62.88pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">12,175</div></div></div></div></div></td></tr></table></div>
3043
9306
15813
33212
3043
3043
9306
9306
15813
15813
33212
33212
1015
3167
5495
12175
1015
1015
3167
3167
5495
5495
12175
12175
<div style="line-height:16.74pt;text-align:left"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;">Principal Risks of Investing in the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;">Contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;"> and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div></div><div style="line-height:10.2300pt;margin-top:2.00pt;text-align:left"><div style="margin-top:2pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Risk of Loss. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Variable annuities involve risks, including possible loss of principal. Your losses could be significant. This </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate is not a deposit or obligation of, or guaranteed or endorsed by, any bank. This certificate is not federally </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other agency.</div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Short-Term Investment Risk. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">This contract is not designed for short-term investing and may not be appropriate for an </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">investor who needs ready access to cash. The benefits of tax deferral and long-term income mean that this contract is </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">more beneficial to investors with a long-term investment horizon.</div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Withdrawal Risk. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">You should carefully consider the risks associated with withdrawals under the contract. If you make a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawal prior to age 59½, there may be adverse tax consequences, including a 10% IRS penalty tax. </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">A positive or </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">negative MVA is assessed if any portion of a Guarantee Period Account is surrendered or transferred more than thirty </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">days before the end of its guarantee period. You could lose up to 100% of your investment in a GPA as a result of a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">negative MVA. </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">A withdrawal may reduce the value of your death benefit. A total withdrawal (surrender) will result in the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">termination of your certificate.</div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Subaccount Risk. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Amounts that you invest in the subaccounts are subject to the risk of poor investment performance. </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">You assume the investment risk. Generally, if the subaccounts that you select make money, your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">value goes up, and if they lose money, your certificate account value goes down. Each subaccount’s performance </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">depends on the performance of its underlying Fund. Each underlying Fund has its own investment risks, and you are </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">exposed to the Fund’s investment risks when you invest in a subaccount.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">You are responsible for selecting subaccounts </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">that are appropriate for you based on your own individual circumstances, investment goals, financial situation, and risk </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">tolerance. For risks associated with any Fixed Account options, see Financial Strength and Claims-Paying Ability Risk </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">below.</div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">GPA Risk.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> Each GPA pays an interest rate declared by us when you make an allocation to that account and is fixed for </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the guarantee period you choose. We will periodically change the declared interest rate for future allocations to these </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">accounts at our discretion based, in part, on various factors including, but not limited to, the interest rate environment, </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">returns earned on investments backing these annuities, the rates currently in effect for new and existing RiverSource </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Life annuities, product design, competition, and RiverSource Life's revenues and expenses. </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">We guarantee the certificate account value allocated to the GPAs, including interest credited, if you do not make any </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">transfers or surrenders from the GPA prior to 30 days before the end of the guarantee period. At all other times, and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">unless an exception applies, we will apply a MVA if you surrender or transfer certificate account value from a GPA or you </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">elect an annuity payout plan while you have certificate account value invested in a GPA. The MVA may be negative, </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">positive or result in no change depending on how the guaranteed interest rate on your GPA compares to the new interest </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">rate of a new GPA for the same number of years as the guarantee period remaining on your GPA. You bear the risk of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">loss of principal due to a negative MVA. Partial surrenders will reduce certain death benefits proportionally based on the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">percentage of certificate account value that is withdrawn and if you request a partial surrender from the GPAs that will </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">give you the net amount you requested after we apply any applicable MVA and certificate administrative charge, a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">negative MVA will increase the impact of the partial surrender on the value of the death benefit.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Managed Volatility Fund Risk. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The Portfolio Stabilizer funds are managed volatility funds that employ a strategy </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">designed to reduce overall volatility and downside risk. These risk management techniques help us manage our financial </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">risks associated with the certificate’s guarantees, because they reduce the incidence of extreme outcomes including </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the probability of large gains or losses. However, these strategies can also limit your participation in rising equity </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">markets, which may limit the potential growth of your certificate account value and may therefore conflict with your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">personal investment objectives. Certain Funds advised by our affiliate, Columbia Management, employ such risk </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">management strategies. Costs associated with running a managed volatility strategy may also adversely impact the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">performance of managed volatility funds.</div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Purchase Payment Risk.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> Your ability to make subsequent purchase payments is subject to restrictions. Also, our prior </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">approval may be required before accepting certain purchase payments. We reserve the right to limit certain annuity </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">features (for example, investment options) if prior approval is required. There is no guarantee that you will always be </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">permitted to make purchase payments.</div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Certificate Changes Risk. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">We reserve the right to make certain changes in the future, subject to applicable law. During </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the annuity payout period, we reserve the right to limit the number of subaccounts in which you may invest. We reserve </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the right to add, remove or substitute approved investment options at any time and in our sole discretion. We reserve </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the right to close or restrict approved investment options in our sole discretion.</div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Financial Strength and Claims-Paying Ability Risk. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">All guarantees under the contract and certificate that are paid from </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">our general account (including under any Fixed Account option) are subject to our financial strength and claims-paying </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">ability. If we experience financial distress, we may not be able to meet our obligations to you.</div></div></div><div style="line-height:10.2300pt;margin-top:0.00pt;text-align:left"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cybersecurity Risk.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> Increasingly, businesses are dependent on the continuity, security, and effective operation of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">various technology systems. The nature of our business depends on the continued effective operation of our systems </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">and those of our business partners.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">This dependence makes us susceptible to operational and information security risks from cyber-attacks. These risks </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">may include the following:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the corruption or destruction of data;</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">theft, misuse or dissemination of data to the public, including your information we hold; and</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">denial of service attacks on our website or other forms of attacks on our systems and the software and hardware we </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">use to run them.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div style="line-height:10.2300pt;margin-top:6.7700pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">These attacks and their consequences can negatively impact your contract, your privacy, your ability to conduct </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">transactions on your contract, or your ability to receive timely service from us.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The risk of cyberattacks may be higher </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">during periods of geopolitical turmoil. There can be no assurance that we, the underlying funds in your contract, or our </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">other business partners will avoid losses affecting your contract due to any successful cyber-attacks or information </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">security breaches.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Potential Adverse Tax Consequences. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Tax considerations vary by individual facts and circumstances. Tax rules may </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">change without notice. Generally, Earnings under your contract are taxed at ordinary income tax rates when withdrawn. </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">You may have to pay a tax penalty if you take a withdrawal before age 59 ½. If you purchase a qualified annuity to fund </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">a retirement plan that is tax-deferred, your contract will not provide any necessary or additional tax deferral beyond what </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">is provided in that retirement plan. Consult a tax professional.</div></div></div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Risk of Loss. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Variable annuities involve risks, including possible loss of principal. Your losses could be significant. This </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate is not a deposit or obligation of, or guaranteed or endorsed by, any bank. This certificate is not federally </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other agency.</div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Short-Term Investment Risk. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">This contract is not designed for short-term investing and may not be appropriate for an </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">investor who needs ready access to cash. The benefits of tax deferral and long-term income mean that this contract is </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">more beneficial to investors with a long-term investment horizon.</div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Withdrawal Risk. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">You should carefully consider the risks associated with withdrawals under the contract. If you make a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawal prior to age 59½, there may be adverse tax consequences, including a 10% IRS penalty tax. </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">A positive or </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">negative MVA is assessed if any portion of a Guarantee Period Account is surrendered or transferred more than thirty </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">days before the end of its guarantee period. You could lose up to 100% of your investment in a GPA as a result of a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">negative MVA. </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">A withdrawal may reduce the value of your death benefit. A total withdrawal (surrender) will result in the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">termination of your certificate.</div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Subaccount Risk. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Amounts that you invest in the subaccounts are subject to the risk of poor investment performance. </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">You assume the investment risk. Generally, if the subaccounts that you select make money, your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">value goes up, and if they lose money, your certificate account value goes down. Each subaccount’s performance </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">depends on the performance of its underlying Fund. Each underlying Fund has its own investment risks, and you are </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">exposed to the Fund’s investment risks when you invest in a subaccount.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">You are responsible for selecting subaccounts </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">that are appropriate for you based on your own individual circumstances, investment goals, financial situation, and risk </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">tolerance. For risks associated with any Fixed Account options, see Financial Strength and Claims-Paying Ability Risk </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">below.</div>
<div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">GPA Risk.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> Each GPA pays an interest rate declared by us when you make an allocation to that account and is fixed for </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the guarantee period you choose. We will periodically change the declared interest rate for future allocations to these </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">accounts at our discretion based, in part, on various factors including, but not limited to, the interest rate environment, </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">returns earned on investments backing these annuities, the rates currently in effect for new and existing RiverSource </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Life annuities, product design, competition, and RiverSource Life's revenues and expenses. </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">We guarantee the certificate account value allocated to the GPAs, including interest credited, if you do not make any </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">transfers or surrenders from the GPA prior to 30 days before the end of the guarantee period. At all other times, and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">unless an exception applies, we will apply a MVA if you surrender or transfer certificate account value from a GPA or you </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">elect an annuity payout plan while you have certificate account value invested in a GPA. The MVA may be negative, </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">positive or result in no change depending on how the guaranteed interest rate on your GPA compares to the new interest </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">rate of a new GPA for the same number of years as the guarantee period remaining on your GPA. You bear the risk of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">loss of principal due to a negative MVA. Partial surrenders will reduce certain death benefits proportionally based on the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">percentage of certificate account value that is withdrawn and if you request a partial surrender from the GPAs that will </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">give you the net amount you requested after we apply any applicable MVA and certificate administrative charge, a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">negative MVA will increase the impact of the partial surrender on the value of the death benefit.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Managed Volatility Fund Risk. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The Portfolio Stabilizer funds are managed volatility funds that employ a strategy </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">designed to reduce overall volatility and downside risk. These risk management techniques help us manage our financial </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">risks associated with the certificate’s guarantees, because they reduce the incidence of extreme outcomes including </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the probability of large gains or losses. However, these strategies can also limit your participation in rising equity </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">markets, which may limit the potential growth of your certificate account value and may therefore conflict with your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">personal investment objectives. Certain Funds advised by our affiliate, Columbia Management, employ such risk </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">management strategies. Costs associated with running a managed volatility strategy may also adversely impact the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">performance of managed volatility funds.</div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Purchase Payment Risk.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> Your ability to make subsequent purchase payments is subject to restrictions. Also, our prior </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">approval may be required before accepting certain purchase payments. We reserve the right to limit certain annuity </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">features (for example, investment options) if prior approval is required. There is no guarantee that you will always be </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">permitted to make purchase payments.</div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Certificate Changes Risk. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">We reserve the right to make certain changes in the future, subject to applicable law. During </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the annuity payout period, we reserve the right to limit the number of subaccounts in which you may invest. We reserve </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the right to add, remove or substitute approved investment options at any time and in our sole discretion. We reserve </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the right to close or restrict approved investment options in our sole discretion.</div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Financial Strength and Claims-Paying Ability Risk. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">All guarantees under the contract and certificate that are paid from </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">our general account (including under any Fixed Account option) are subject to our financial strength and claims-paying </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">ability. If we experience financial distress, we may not be able to meet our obligations to you.</div>
<div style="line-height:10.2300pt;margin-top:0.00pt;text-align:left"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Cybersecurity Risk.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> Increasingly, businesses are dependent on the continuity, security, and effective operation of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">various technology systems. The nature of our business depends on the continued effective operation of our systems </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">and those of our business partners.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">This dependence makes us susceptible to operational and information security risks from cyber-attacks. These risks </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">may include the following:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the corruption or destruction of data;</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">theft, misuse or dissemination of data to the public, including your information we hold; and</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">denial of service attacks on our website or other forms of attacks on our systems and the software and hardware we </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">use to run them.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div style="line-height:10.2300pt;margin-top:6.7700pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">These attacks and their consequences can negatively impact your contract, your privacy, your ability to conduct </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">transactions on your contract, or your ability to receive timely service from us.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The risk of cyberattacks may be higher </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">during periods of geopolitical turmoil. There can be no assurance that we, the underlying funds in your contract, or our </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">other business partners will avoid losses affecting your contract due to any successful cyber-attacks or information </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">security breaches.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Potential Adverse Tax Consequences. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Tax considerations vary by individual facts and circumstances. Tax rules may </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">change without notice. Generally, Earnings under your contract are taxed at ordinary income tax rates when withdrawn. </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">You may have to pay a tax penalty if you take a withdrawal before age 59 ½. If you purchase a qualified annuity to fund </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">a retirement plan that is tax-deferred, your contract will not provide any necessary or additional tax deferral beyond what </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">is provided in that retirement plan. Consult a tax professional.</div>
<div style="line-height:16.74pt;margin-top:12.00pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;">The Fixed Account</div></div></div><div style="line-height:10.2300pt;margin-top:2.00pt;text-align:left"><div style="margin-top:2pt"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Amounts allocated to the fixed account are part of our general account. The fixed account includes </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the loan account </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> the Special DCA fixed account. </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">We credit interest daily on amounts you allocate to the fixed account at rates we </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">determine from time to time at our discretion. Interest rates credited in excess of the guaranteed rate generally will be </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">based on various factors related to future investment earnings. The guaranteed minimum interest rate on amounts </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">invested in the fixed account may vary by state and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> issue year, but it will be shown on your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> Data </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">page and will not be lower than the minimum allowed under state law. We back the principal and interest guarantees </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">relating to the fixed account. These guarantees are subject to the creditworthiness and continued claims-paying ability </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">RiverSource Life</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">. Information regarding each fixed account option, including (i) its name, (ii) its term, and (iii) its </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">historical </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">guaranteed </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">minimum </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">interest rates may be found in Appendix </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">A</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> to this prospectus.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">One year after receipt of each purchase payment or transfer, the rate for the payment or transfer amount, and its </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">accumulated interest, may change. Interest will accrue at revised rates determined by us and at our discretion. These </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">rates may be based on various factors including, but not limited to, the interest rate environment, returns earned on </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">investments backing these annuities, the rates currently in effect for new and existing company annuities, product </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">design, competition, and the company’s revenues and expenses. However, the rate will never be less than the fixed </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">account minimum interest rate required under state law. Your interest rate for each purchase payment or transfer will </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">never change more frequently than annually.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Because of exemptive and exclusionary provisions, we have not registered interests in the fixed account as securities </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">under the Securities Act of 1933 nor have any of these accounts been registered as investment companies under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Investment Company Act of 1940. Accordingly, neither the fixed account nor any interests in the fixed account are </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">subject to the provisions of these Acts.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The fixed account has not been registered with the SEC. Disclosures regarding the fixed account, however, are subject </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">to certain generally applicable provisions of the federal securities laws relating to the accuracy and completeness of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">statements made in a prospectus.</div></div></div>
<div style="line-height:13.0200pt;margin-top:10.00pt;text-align:left"><div style="margin-top:10pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 12.09pt; letter-spacing: 0px; top: 0px;display:inline;">The Special DCA Fixed Account</div></div></div><div style="line-height:10.2300pt;margin-top:2.00pt;text-align:left"><div style="margin-top:2pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">You may allocate purchase payments to the Special DCA fixed account. You may not transfer certificate account value to </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the Special DCA fixed account.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">You may allocate your entire purchase payment to the Special DCA fixed account for a term of six or twelve months. We </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">reserve the right to offer shorter or longer terms for the Special DCA fixed account.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">In accordance with your investment instructions, we transfer amounts from the Special DCA fixed account to the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">subaccounts you select monthly so that, at the end of the Special DCA fixed account term, the balance of the Special </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">DCA fixed account is zero. The amount of each transfer equals the remaining Special DCA fixed account value on the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">date of the transfer divided by the number of remaining transfers in the program. You may not change the amount of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">transfers. The first Special DCA monthly transfer occurs one day after we receive your payment. You may not use any </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">GPA as a destination for the Special DCA monthly transfer.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The value of the Special DCA fixed account increases when we credit interest to the Special DCA fixed account, and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">decreases when we make monthly transfers from the Special DCA fixed account. When you allocate a purchase payment </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">to the Special DCA fixed account, the interest rates applicable to that purchase payment will be the rates in effect for </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the Special DCA fixed account term you choose on the date we receive your purchase payment. The applicable interest </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">rate is guaranteed for the length of the term for the Special DCA fixed account term you choose. We credit and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">compound interest daily based on a 365-day year (366 in a leap year) so as to produce the annual effective rate which </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">we declare. We credit interest only on the declining balance of the Special DCA fixed account; we do not credit interest </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">on amounts that have been transferred from the Special DCA fixed account. As a result, the net effective interest rates </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">we credit will be less than the declared annual effective rates. Generally, we will credit the Special DCA fixed account </div> </div></div><div style="line-height:10.2300pt;margin-top:0.00pt;text-align:left"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">with interest at the annual effective rate we apply on the date we receive your purchase payment, regardless of the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">length of the term you select. From time to time, we may credit interest to the Special DCA fixed account at promotional </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">rates that are higher. We reserve the right to declare different annual effective rates:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">for the Special DCA fixed account; and</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">for the Special DCA fixed accounts with terms of differing length.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div style="line-height:10.2300pt;margin-top:6.7700pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Alternatively, you may allocate your purchase payment to any combination of the following which equals one hundred </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">percent of the amount you invest:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the Special DCA fixed account for a six month term;</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the Special DCA fixed account for a twelve month term;</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the GPAs and/or the subaccounts, subject to investment minimums and other restrictions we may impose on </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">investments in the GPAs.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div style="line-height:10.2300pt;margin-top:6.7700pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Once you establish a Special DCA fixed account, you cannot allocate additional purchase payments to it. However, you </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">may establish another Special DCA fixed account and allocate new purchase payments to it.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">You may discontinue any Special DCA fixed account before the end of its term by giving us notice. If you do so, we will </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">transfer the remaining balance of the Special DCA fixed account in accordance with your investment instructions to us </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">to the GPAs and/or the subaccounts, subject to investment minimums and other restrictions we may impose on </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">investments in the GPAs, including but not limited to, any limitations described in this prospectus on transfers </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">(see “Transfer policies”).</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Dollar-cost averaging from the Special DCA fixed account does not guarantee that any subaccount will gain in value nor </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">will it protect against a decline in value if market prices fall. For an example of how Special DCA dollar-cost averaging </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">works, see table below showing the Special DCA fixed account for a six-month term.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:9.00pt;text-align:left"><div style="margin-top:9pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">How Special dollar-cost averaging works</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="line-height:0.00pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt">
<tr style="height:29.75pt">
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:106.51pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-right:6.92pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">By spreading the investment</div></div><div style="margin-right:6.92pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">over the term of the</div></div><div style="margin-right:6.92pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Special DCA</div></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:73.84pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-left: 4.92pt; margin-right: 4.92pt; text-align: center; white-space: nowrap; font-size: 7.44pt;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:61.84pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:4.92pt;margin-right:4.92pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Date</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:52.23pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:4.92pt;margin-right:4.92pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">SDCA</div></div></div><div style="margin-left:4.92pt;margin-right:4.92pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Balance</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:54.32pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:4.92pt;margin-right:4.92pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portion</div></div></div><div style="margin-left:4.92pt;margin-right:4.92pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Transferred</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:54.32pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:4.92pt;margin-right:4.92pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Amount</div></div></div><div style="margin-left:4.92pt;margin-right:4.92pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Transferred</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:62.94pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:4.92pt;margin-right:4.92pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Accumulation</div></div></div><div style="margin-left:4.92pt;margin-right:4.92pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">unit value</div></div></div></div></td>
<td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:61.99pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:4.92pt;margin-right:16pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Number</div></div></div><div style="margin-left:4.92pt;margin-right:16pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">of units</div></div></div><div style="margin-left:4.92pt;margin-right:16pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">purchased</div></div></div></div></td></tr>
<tr style="height:13.25pt">
<td rowspan="3" style="border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.25pt;vertical-align:Middle;width:106.51pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-right:6.92pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">you automatically buy</div></div><div style="margin-right:6.92pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">more units when the</div></div><div style="margin-right:6.92pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">per unit market price is low</div></div></div></td>
<td style="border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.25pt;vertical-align:Middle;white-space:nowrap;width:73.84pt"><div style="line-height:0.5pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:67.12pt"><div style="display:flex;margin:auto;width:69.12pt"><div style="display:flex;white-space:nowrap;width:69.12pt"> </div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.25pt;vertical-align:Middle;white-space:nowrap;width:61.84pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:48pt"><div style="display:flex;margin:auto;width:37.67pt"><div style="display:flex;white-space:nowrap;width:37.67pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 37.67pt; letter-spacing: 0px; top: 0px;display:inline;">Jan 15th</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.25pt;vertical-align:Middle;white-space:nowrap;width:52.23pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:38.39pt"><div style="display:flex;margin:auto;width:40.38pt"><div style="display:flex;white-space:nowrap;width:40.38pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 40.38pt; letter-spacing: 0px; top: 0px;display:inline;">5,000.00</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.25pt;vertical-align:Middle;white-space:nowrap;width:54.32pt"><div style="line-height:0.5pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:40.48pt"><div style="display:flex;margin:auto;width:15.76pt"><div style="display:flex;white-space:nowrap;width:15.76pt"> </div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.25pt;vertical-align:Middle;white-space:nowrap;width:54.32pt"><div style="line-height:0.5pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:40.48pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"> </div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.25pt;vertical-align:Middle;white-space:nowrap;width:62.94pt"><div style="line-height:0.5pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:49.1pt"><div style="display:flex;margin:auto;width:16.39pt"><div style="display:flex;white-space:nowrap;width:16.39pt"> </div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.25pt;vertical-align:Middle;white-space:nowrap;width:61.99pt"><div style="line-height:0.5pt;margin-left:6.92pt;margin-right:9pt;text-align:right;width:37.07pt"><div style="display:flex;margin:auto;width:23.59pt"><div style="display:flex;white-space:nowrap;width:23.59pt"> </div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:73.84pt"><div style="line-height:0.5pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:67.12pt"><div style="display:flex;margin:auto;width:69.12pt"><div style="display:flex;white-space:nowrap;width:69.12pt"> </div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:61.84pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:48pt"><div style="display:flex;margin:auto;width:37.67pt"><div style="display:flex;white-space:nowrap;width:37.67pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 37.67pt; letter-spacing: 0px; top: 0px;display:inline;">Jan 16th</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:52.23pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:38.39pt"><div style="display:flex;margin:auto;width:40.38pt"><div style="display:flex;white-space:nowrap;width:40.38pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 40.38pt; letter-spacing: 0px; top: 0px;display:inline;">5,000.14</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:54.32pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:40.48pt"><div style="display:flex;margin:auto;width:15.76pt"><div style="display:flex;white-space:nowrap;width:15.76pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 15.76pt; letter-spacing: 0px; top: 0px;display:inline;">1/6</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:54.32pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:40.48pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">833.36</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:62.94pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:49.1pt"><div style="display:flex;margin:auto;width:16.39pt"><div style="display:flex;white-space:nowrap;width:16.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 16.39pt; letter-spacing: 0px; top: 0px;display:inline;">18</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:61.99pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:9pt;text-align:right;width:37.07pt"><div style="display:flex;margin:auto;width:23.59pt"><div style="display:flex;white-space:nowrap;width:23.59pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 23.59pt; letter-spacing: 0px; top: 0px;display:inline;">46.30</div></div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:73.84pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:67.12pt"><div style="display:flex;margin:auto;width:69.12pt"><div style="display:flex;white-space:nowrap;width:69.12pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 13.02pt; width: 69.12pt; letter-spacing: 0px; top: 0px;display:inline;">→</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:61.84pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:48pt"><div style="display:flex;margin:auto;width:37.67pt"><div style="display:flex;white-space:nowrap;width:37.67pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 37.67pt; letter-spacing: 0px; top: 0px;display:inline;">Feb 16th</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:52.23pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:38.39pt"><div style="display:flex;margin:auto;width:40.38pt"><div style="display:flex;white-space:nowrap;width:40.38pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 40.38pt; letter-spacing: 0px; top: 0px;display:inline;">4,170.30</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:54.32pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:40.48pt"><div style="display:flex;margin:auto;width:15.76pt"><div style="display:flex;white-space:nowrap;width:15.76pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 15.76pt; letter-spacing: 0px; top: 0px;display:inline;">1/5</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:54.32pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:40.48pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">834.06</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:62.94pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:49.1pt"><div style="display:flex;margin:auto;width:16.39pt"><div style="display:flex;white-space:nowrap;width:16.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 16.39pt; letter-spacing: 0px; top: 0px;display:inline;">15</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:61.99pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:9pt;text-align:right;width:37.07pt"><div style="display:flex;margin:auto;width:23.59pt"><div style="display:flex;white-space:nowrap;width:23.59pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 23.59pt; letter-spacing: 0px; top: 0px;display:inline;">55.60</div></div></div></div></td></tr>
<tr style="height:13.25pt">
<td rowspan="3" style="border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;width:106.51pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-right:6.92pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">and fewer units</div></div><div style="margin-right:6.92pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">when the per unit</div></div><div style="margin-right:6.92pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market price is high.</div></div></div></td>
<td style="border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:73.84pt"><div style="line-height:0.5pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:67.12pt"><div style="display:flex;margin:auto;width:69.12pt"><div style="display:flex;white-space:nowrap;width:69.12pt"> </div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:61.84pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:48pt"><div style="display:flex;margin:auto;width:37.67pt"><div style="display:flex;white-space:nowrap;width:37.67pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 37.67pt; letter-spacing: 0px; top: 0px;display:inline;">Mar 16th</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:52.23pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:38.39pt"><div style="display:flex;margin:auto;width:40.38pt"><div style="display:flex;white-space:nowrap;width:40.38pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 40.38pt; letter-spacing: 0px; top: 0px;display:inline;">3,338.79</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:54.32pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:40.48pt"><div style="display:flex;margin:auto;width:15.76pt"><div style="display:flex;white-space:nowrap;width:15.76pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 15.76pt; letter-spacing: 0px; top: 0px;display:inline;">1/4</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:54.32pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:40.48pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">834.70</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:62.94pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:49.1pt"><div style="display:flex;margin:auto;width:16.39pt"><div style="display:flex;white-space:nowrap;width:16.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 16.39pt; letter-spacing: 0px; top: 0px;display:inline;">19</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:61.99pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:9pt;text-align:right;width:37.07pt"><div style="display:flex;margin:auto;width:23.59pt"><div style="display:flex;white-space:nowrap;width:23.59pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 23.59pt; letter-spacing: 0px; top: 0px;display:inline;">43.93</div></div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:73.84pt"><div style="line-height:0.5pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:67.12pt"><div style="display:flex;margin:auto;width:69.12pt"><div style="display:flex;white-space:nowrap;width:69.12pt"> </div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:61.84pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:48pt"><div style="display:flex;margin:auto;width:37.67pt"><div style="display:flex;white-space:nowrap;width:37.67pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 37.67pt; letter-spacing: 0px; top: 0px;display:inline;">April 16th</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:52.23pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:38.39pt"><div style="display:flex;margin:auto;width:40.38pt"><div style="display:flex;white-space:nowrap;width:40.38pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 40.38pt; letter-spacing: 0px; top: 0px;display:inline;">2,506.20</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:54.32pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:40.48pt"><div style="display:flex;margin:auto;width:15.76pt"><div style="display:flex;white-space:nowrap;width:15.76pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 15.76pt; letter-spacing: 0px; top: 0px;display:inline;">1/3</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:54.32pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:40.48pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">835.40</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:62.94pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:49.1pt"><div style="display:flex;margin:auto;width:16.39pt"><div style="display:flex;white-space:nowrap;width:16.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 16.39pt; letter-spacing: 0px; top: 0px;display:inline;">17</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:61.99pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:9pt;text-align:right;width:37.07pt"><div style="display:flex;margin:auto;width:23.59pt"><div style="display:flex;white-space:nowrap;width:23.59pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 23.59pt; letter-spacing: 0px; top: 0px;display:inline;">49.14</div></div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:73.84pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:67.12pt"><div style="display:flex;margin:auto;width:69.12pt"><div style="display:flex;white-space:nowrap;width:69.12pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 13.02pt; width: 69.12pt; letter-spacing: 0px; top: 0px;display:inline;">→</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:61.84pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:48pt"><div style="display:flex;margin:auto;width:37.67pt"><div style="display:flex;white-space:nowrap;width:37.67pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 37.67pt; letter-spacing: 0px; top: 0px;display:inline;">May 16th</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:52.23pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:38.39pt"><div style="display:flex;margin:auto;width:40.38pt"><div style="display:flex;white-space:nowrap;width:40.38pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 40.38pt; letter-spacing: 0px; top: 0px;display:inline;">1,672.17</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:54.32pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:40.48pt"><div style="display:flex;margin:auto;width:15.76pt"><div style="display:flex;white-space:nowrap;width:15.76pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 15.76pt; letter-spacing: 0px; top: 0px;display:inline;">1/2</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:54.32pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:40.48pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">836.09</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:62.94pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:49.1pt"><div style="display:flex;margin:auto;width:16.39pt"><div style="display:flex;white-space:nowrap;width:16.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 16.39pt; letter-spacing: 0px; top: 0px;display:inline;">21</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:61.99pt"><div style="line-height:10.4400pt;margin-left:6.92pt;margin-right:9pt;text-align:right;width:37.07pt"><div style="display:flex;margin:auto;width:23.59pt"><div style="display:flex;white-space:nowrap;width:23.59pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 23.59pt; letter-spacing: 0px; top: 0px;display:inline;">39.81</div></div></div></div></td></tr>
<tr style="height:9.25pt">
<td style="padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Middle;width:106.51pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-right: 6.92pt; text-align: left; white-space: nowrap; font-size: 7.44pt;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td style="padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:73.84pt"><div style="line-height:0.5pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:67.12pt"><div style="display:flex;margin:auto;width:69.12pt"><div style="display:flex;white-space:nowrap;width:69.12pt"> </div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:61.84pt"><div style="line-height:7.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:48pt"><div style="display:flex;margin:auto;width:37.67pt"><div style="display:flex;white-space:nowrap;width:37.67pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 37.67pt; letter-spacing: 0px; top: 0px;display:inline;">Jun 16th</div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:52.23pt"><div style="line-height:7.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:38.39pt"><div style="display:flex;margin:auto;width:40.38pt"><div style="display:flex;white-space:nowrap;width:40.38pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 40.38pt; letter-spacing: 0px; top: 0px;display:inline;">836.79</div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:54.32pt"><div style="line-height:7.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:40.48pt"><div style="display:flex;margin:auto;width:15.76pt"><div style="display:flex;white-space:nowrap;width:15.76pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 15.76pt; letter-spacing: 0px; top: 0px;display:inline;">1/1</div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:54.32pt"><div style="line-height:7.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:40.48pt"><div style="display:flex;margin:auto;width:33.19pt"><div style="display:flex;white-space:nowrap;width:33.19pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 33.19pt; letter-spacing: 0px; top: 0px;display:inline;">836.79</div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:62.94pt"><div style="line-height:7.4400pt;margin-left:6.92pt;margin-right:6.92pt;text-align:right;width:49.1pt"><div style="display:flex;margin:auto;width:16.39pt"><div style="display:flex;white-space:nowrap;width:16.39pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 16.39pt; letter-spacing: 0px; top: 0px;display:inline;">20</div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Middle;white-space:nowrap;width:61.99pt"><div style="line-height:7.4400pt;margin-left:6.92pt;margin-right:9pt;text-align:right;width:37.07pt"><div style="display:flex;margin:auto;width:23.59pt"><div style="display:flex;white-space:nowrap;width:23.59pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; width: 23.59pt; letter-spacing: 0px; top: 0px;display:inline;">41.84</div></div></div></div></td></tr></table></div><div style="line-height:10.2300pt;margin-top:6pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">You paid an average price of $18.11. per unit over the 6 months, while the average market price actually was $18.33.</div></div></div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">You may allocate your entire purchase payment to the Special DCA fixed account for a term of six or twelve months. We </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">reserve the right to offer shorter or longer terms for the Special DCA fixed account.</div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The value of the Special DCA fixed account increases when we credit interest to the Special DCA fixed account, and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">decreases when we make monthly transfers from the Special DCA fixed account. When you allocate a purchase payment </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">to the Special DCA fixed account, the interest rates applicable to that purchase payment will be the rates in effect for </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the Special DCA fixed account term you choose on the date we receive your purchase payment. The applicable interest </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">rate is guaranteed for the length of the term for the Special DCA fixed account term you choose. We credit and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">compound interest daily based on a 365-day year (366 in a leap year) so as to produce the annual effective rate which </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">we declare. We credit interest only on the declining balance of the Special DCA fixed account; we do not credit interest </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">on amounts that have been transferred from the Special DCA fixed account. As a result, the net effective interest rates </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">we credit will be less than the declared annual effective rates. Generally, we will credit the Special DCA fixed account </div><div style="line-height:10.2300pt;margin-top:0.00pt;text-align:left"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">with interest at the annual effective rate we apply on the date we receive your purchase payment, regardless of the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">length of the term you select. From time to time, we may credit interest to the Special DCA fixed account at promotional </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">rates that are higher. We reserve the right to declare different annual effective rates:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">for the Special DCA fixed account; and</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">for the Special DCA fixed accounts with terms of differing length.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div>
<div style="line-height:10.2300pt;margin-top:6.7700pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Alternatively, you may allocate your purchase payment to any combination of the following which equals one hundred </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">percent of the amount you invest:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the Special DCA fixed account for a six month term;</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the Special DCA fixed account for a twelve month term;</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the GPAs and/or the subaccounts, subject to investment minimums and other restrictions we may impose on </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">investments in the GPAs.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div style="line-height:10.2300pt;margin-top:6.7700pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Once you establish a Special DCA fixed account, you cannot allocate additional purchase payments to it. However, you </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">may establish another Special DCA fixed account and allocate new purchase payments to it.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">You may discontinue any Special DCA fixed account before the end of its term by giving us notice. If you do so, we will </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">transfer the remaining balance of the Special DCA fixed account in accordance with your investment instructions to us </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">to the GPAs and/or the subaccounts, subject to investment minimums and other restrictions we may impose on </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">investments in the GPAs, including but not limited to, any limitations described in this prospectus on transfers </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">(see “Transfer policies”).</div>
<div style="line-height:16.74pt;margin-top:12.00pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;">Adjustments</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; line-height: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:13.0200pt;margin-top:3.00pt;text-align:left"><div style="margin-top:3pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 12.09pt; letter-spacing: 0px; top: 0px;display:inline;">Market Value Adjustments</div> <br/><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 12.09pt; line-height: 13.02pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:2.00pt;text-align:left"><div style="margin-top:2pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">We guarantee the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> value allocated to the GPAs, including interest credited, if you do not make any </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">transfers or </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrenders</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> from the GPAs prior to 30 days before the end of the guarantee period.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div> At all other times, and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">unless one of the exceptions described below applies, we will apply an MVA if you make certain transactions while you </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">have </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> value invested in a GPA.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div>The following transactions when applied to a GPA, which we refer to </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">as “early surrenders,” are subject to an MVA when they occur more than 30 days prior to the end of the guarantee </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">period, unless an exception applies: (i) surrenders (including full and partial surrenders, systematic withdrawals, and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">required minimum distributions), (ii) transfers, and (iii) annuitization. We will not apply a negative MVA to the payment of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the death benefit. An MVA may increase the death benefit but will not decrease it.</div> <br/><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">No MVA will apply to amounts deducted for fees and charges.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The application of an MVA may result in either a gain or loss. You could lose up to </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">100</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">% of the amount </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrendered</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> as </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">a result of a negative MVA.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div> Under certain death benefits, the value of the death benefit is reduced proportionally when </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">you take a partial </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> based on the percentage of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> value that is withdrawn. If you request a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">partial </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> from the GPAs that will give you the net amount you requested after we apply any applicable MVA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate administrative charge</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">, the MVA could increase or decrease the percentage of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> value that is </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawn. </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">In these circumstances, a negative MVA would increase the impact of a partial </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">surrender</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"> on the value of the </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">death benefit.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">When you request an early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">, we adjust the early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> amount by an MVA formula. The MVA is sensitive to </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">changes in current interest rates. The MVA, which can be zero, positive or negative, reflects the relationship between </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the guaranteed interest rate that applies to the GPA from which you are taking an early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> and the interest rate </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">we are then currently crediting on new GPAs that mature at the same time. The magnitude of any applicable MVA will </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">depend on the difference in these current guaranteed interest rates at the time of the early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> corresponding to </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the time remaining in your guarantee period and your guaranteed interest rate.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">If interest rates have increased, the MVA <div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">will generally be negative and the early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> amount will be less; if interest rates have decreased, the MVA will </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">generally be positive and the early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> amount will be increased. This is summarized in the following table:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"></div></div></div><div style="line-height:0.00pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt">
<tr style="height:13.75pt">
<td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:479.48pt"><div style="line-height:9.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">If your GPA rate is:</div></div></div></div></td>
<td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:48.52pt"><div style="line-height:9.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The MVA is:</div></div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.25pt;vertical-align:Bottom;width:479.48pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Less than the new GPA rate + 0.10%</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.25pt;vertical-align:Bottom;width:48.52pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Negative</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:479.48pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Equal to the new GPA rate + 0.10%</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:48.52pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Zero</div></div></div></td></tr>
<tr style="height:9.25pt">
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:479.48pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Greater than the new GPA rate + 0.10%</div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:48.52pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Positive</div></div></div></td></tr></table></div><div style="line-height:10.2300pt;margin-top:0.00pt;text-align:left"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The precise MVA formula we apply is as follows:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:257.24pt">
<tr style="height:10.5pt">
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:101.08pt"><div style="line-height:11.00pt;text-align:left"><div style="margin-left:6pt;margin-right:1.5pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Early </div></div><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">surrender</div></div><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> amount</div></div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:8.4pt"><div style="line-height:11.00pt;text-align:left"><div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">×</div></div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:9.9pt"><div style="line-height:26.0400pt;text-align:left"><div style="margin-left:1.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 26.04pt; letter-spacing: 0px; top: 0px;display:inline;">[</div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:8.4pt"><div style="line-height:26.0400pt;text-align:left"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 26.04pt; letter-spacing: 0px; top: 0px;display:inline;">(</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Middle;width:48.24pt"><div style="line-height:10.3000pt;text-align:left"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1 + i</div></div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:8.4pt"><div style="line-height:26.0400pt;text-align:left"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 26.04pt; letter-spacing: 0px; top: 0px;display:inline;">)</div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Top;width:23.28pt"><div style="line-height:11.00pt;text-align:left"><div style="margin-right:1.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(n/12)</div></div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:11.4pt"><div style="line-height:11.00pt;text-align:left"><div style="margin-left:1.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–1</div></div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:9.9pt"><div style="line-height:26.0400pt;text-align:left"><div style="margin-right:1.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 26.04pt; letter-spacing: 0px; top: 0px;display:inline;">]</div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:8.4pt"><div style="line-height:11.00pt;text-align:left"><div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">=</div></div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:19.83pt"><div style="line-height:11.00pt;text-align:left"><div style="margin-left:1.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">MVA</div></div></div></div></td></tr>
<tr style="height:11.5pt">
<td style="padding-bottom:3pt;padding-top:3.75pt;vertical-align:Middle;width:48.24pt"><div style="line-height:11.00pt;text-align:left"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1 + j + .001</div></div></div></div></td></tr></table></div><div style="line-height: 0pt; text-align: left; font-size: 1pt; background: none;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:525pt">
<tr style="height:9.25pt">
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.13pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:6pt;margin-right:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Where i</div></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:12pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">=</div></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:470.87pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">rate earned in the GPA from which amounts are being transferred or </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">surrendered</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">.</div></div></div></td></tr>
<tr style="height:22.75pt">
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.13pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:6pt;margin-right:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">j</div></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:12pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">=</div></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:470.87pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current rate for a new Guaranteed Period equal to the remaining term in the current Guarantee Period </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(rounded up to the next year).</div></div></div></td></tr>
<tr style="height:10.25pt">
<td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:42.13pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:6pt;margin-right:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">n</div></div></div></td>
<td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:12pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">=</div></div></div></td>
<td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:470.87pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">number of months remaining in the current Guarantee Period (rounded up to the next month).</div></div></div></td></tr></table></div><div style="line-height:10.2300pt;margin-top:6pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate administrative</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> charges applicable to your contract </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">may also apply to an early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">. As noted above, we </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">do not apply MVAs to the amounts we deduct for fees and charges</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">. Please note that when you request an early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">, we </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> an amount from your GPA that will give you the net amount you requested after we apply the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">MVA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> and any applicable certificate administrative charge,</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> unless you request otherwise.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Contact our Service Center at the number listed on the cover page of this prospectus for a quote of the impact an early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> would have on your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> value.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Values fluctuate daily and the actual MVA applied at the time an </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> is processed may be more or less than the values quoted at the time of your call.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div> Additional information </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">about MVAs, including MVA examples, is located in the Statement of Additional Information (“SAI”).</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The MVA is intended to protect us from losses on the investments we hold to support our guaranteed interest rates </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">when we must pay out amounts that are removed from the GPAs early.</div></div></div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">We guarantee the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> value allocated to the GPAs, including interest credited, if you do not make any </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">transfers or </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrenders</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> from the GPAs prior to 30 days before the end of the guarantee period.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div> At all other times, and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">unless one of the exceptions described below applies, we will apply an MVA if you make certain transactions while you </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">have </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> value invested in a GPA.</div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">We guarantee the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> value allocated to the GPAs, including interest credited, if you do not make any </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">transfers or </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrenders</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> from the GPAs prior to 30 days before the end of the guarantee period.</div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The application of an MVA may result in either a gain or loss. You could lose up to </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">100</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">% of the amount </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrendered</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> as </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">a result of a negative MVA.</div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">When you request an early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">, we adjust the early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> amount by an MVA formula. The MVA is sensitive to </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">changes in current interest rates. The MVA, which can be zero, positive or negative, reflects the relationship between </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the guaranteed interest rate that applies to the GPA from which you are taking an early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> and the interest rate </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">we are then currently crediting on new GPAs that mature at the same time. The magnitude of any applicable MVA will </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">depend on the difference in these current guaranteed interest rates at the time of the early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> corresponding to </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the time remaining in your guarantee period and your guaranteed interest rate.</div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">If interest rates have increased, the MVA <div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">will generally be negative and the early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> amount will be less; if interest rates have decreased, the MVA will </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">generally be positive and the early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> amount will be increased. This is summarized in the following table:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-top:1.5pt solid #FFFFFF;empty-cells:show;width:528pt">
<tr style="height:13.75pt">
<td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:479.48pt"><div style="line-height:9.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">If your GPA rate is:</div></div></div></div></td>
<td style="border-bottom:1pt solid #E5E5E5;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:48.52pt"><div style="line-height:9.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">The MVA is:</div></div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.25pt;vertical-align:Bottom;width:479.48pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Less than the new GPA rate + 0.10%</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.25pt;vertical-align:Bottom;width:48.52pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Negative</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:479.48pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Equal to the new GPA rate + 0.10%</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:1.5pt solid #FFFFFF;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:48.52pt"><div style="line-height:10.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Zero</div></div></div></td></tr>
<tr style="height:9.25pt">
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:479.48pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Greater than the new GPA rate + 0.10%</div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:1.5pt;padding-top:2.375pt;vertical-align:Bottom;width:48.52pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Positive</div></div></div></td></tr></table><div style="line-height:10.2300pt;margin-top:0.00pt;text-align:left"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The precise MVA formula we apply is as follows:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:257.24pt">
<tr style="height:10.5pt">
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:101.08pt"><div style="line-height:11.00pt;text-align:left"><div style="margin-left:6pt;margin-right:1.5pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Early </div></div><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">surrender</div></div><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> amount</div></div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:8.4pt"><div style="line-height:11.00pt;text-align:left"><div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">×</div></div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:9.9pt"><div style="line-height:26.0400pt;text-align:left"><div style="margin-left:1.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 26.04pt; letter-spacing: 0px; top: 0px;display:inline;">[</div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:8.4pt"><div style="line-height:26.0400pt;text-align:left"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 26.04pt; letter-spacing: 0px; top: 0px;display:inline;">(</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Middle;width:48.24pt"><div style="line-height:10.3000pt;text-align:left"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1 + i</div></div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:8.4pt"><div style="line-height:26.0400pt;text-align:left"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 26.04pt; letter-spacing: 0px; top: 0px;display:inline;">)</div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Top;width:23.28pt"><div style="line-height:11.00pt;text-align:left"><div style="margin-right:1.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(n/12)</div></div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:11.4pt"><div style="line-height:11.00pt;text-align:left"><div style="margin-left:1.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">–1</div></div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:9.9pt"><div style="line-height:26.0400pt;text-align:left"><div style="margin-right:1.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 26.04pt; letter-spacing: 0px; top: 0px;display:inline;">]</div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:8.4pt"><div style="line-height:11.00pt;text-align:left"><div style="margin-left:1.5pt;margin-right:1.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">=</div></div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:19.83pt"><div style="line-height:11.00pt;text-align:left"><div style="margin-left:1.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">MVA</div></div></div></div></td></tr>
<tr style="height:11.5pt">
<td style="padding-bottom:3pt;padding-top:3.75pt;vertical-align:Middle;width:48.24pt"><div style="line-height:11.00pt;text-align:left"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Arial Narrow"; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1 + j + .001</div></div></div></div></td></tr></table></div><div style="line-height: 0pt; text-align: left; font-size: 1pt; background: none;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:525pt">
<tr style="height:9.25pt">
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.13pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:6pt;margin-right:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Where i</div></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:12pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">=</div></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:470.87pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">rate earned in the GPA from which amounts are being transferred or </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">surrendered</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">.</div></div></div></td></tr>
<tr style="height:22.75pt">
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.13pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:6pt;margin-right:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">j</div></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:12pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">=</div></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:470.87pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current rate for a new Guaranteed Period equal to the remaining term in the current Guarantee Period </div></div><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(rounded up to the next year).</div></div></div></td></tr>
<tr style="height:10.25pt">
<td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:42.13pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:6pt;margin-right:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">n</div></div></div></td>
<td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:12pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">=</div></div></div></td>
<td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:470.87pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">number of months remaining in the current Guarantee Period (rounded up to the next month).</div></div></div></td></tr></table></div>
<div style="line-height:10.2300pt;margin-top:6pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate administrative</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> charges applicable to your contract </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">may also apply to an early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">. As noted above, we </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">do not apply MVAs to the amounts we deduct for fees and charges</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">. Please note that when you request an early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">, we </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> an amount from your GPA that will give you the net amount you requested after we apply the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">MVA</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> and any applicable certificate administrative charge,</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> unless you request otherwise.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Contact our Service Center at the number listed on the cover page of this prospectus for a quote of the impact an early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> would have on your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> value.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Values fluctuate daily and the actual MVA applied at the time an </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> is processed may be more or less than the values quoted at the time of your call.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div> Additional information </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">about MVAs, including MVA examples, is located in the Statement of Additional Information (“SAI”).</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The MVA is intended to protect us from losses on the investments we hold to support our guaranteed interest rates </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">when we must pay out amounts that are removed from the GPAs early.</div></div></div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Contact our Service Center at the number listed on the cover page of this prospectus for a quote of the impact an early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> would have on your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> value.</div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Values fluctuate daily and the actual MVA applied at the time an </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">early </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> is processed may be more or less than the values quoted at the time of your call.</div>
<div style="line-height:16.74pt;text-align:left"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;">Benefits Available Under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;">Contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;"> and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div></div><div style="line-height:10.2300pt;margin-top:2.00pt;text-align:left"><div style="margin-top:2pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The following table summarizes information about the benefits available under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:0.00pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="height:26.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Name of Benefit</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:111pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Purpose</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Maximum Fee</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current Fee</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:176.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Brief Description of Restrictions/ </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Limitations</div></div></div></div></td></tr>
<tr style="height:15.75pt">
<td colspan="5" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:528.0pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Standard</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Benefits</div></div></div></div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Dollar Cost </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Averaging</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Allows the systematic </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">transfer of a specified </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">dollar amount among </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">subaccount</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">s</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">N/A</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">N/A</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfers not available to or from </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPAs</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> or the Special DCA </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">fixed </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">account</div></div></div></td></tr>
<tr style="height:156.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Special Dollar </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Cost Averaging </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">(SDCA)</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Allows the systematic </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">transfer from the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Special DCA </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">fixed </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> to one or more </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">eligible </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">subaccount</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">s</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">N/A</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">N/A</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Must be funded with a purchase </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">payment, not transferred </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">account value</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Only 6-month and 12-month options </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">may be available</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfers occur on a monthly basis </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">and the first monthly transfer </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">occurs one day after we receive </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">your purchase payment</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">You may not use the GPA account or </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">the Special DCA </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">fixed account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> as a </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">destination for the Special DCA </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">monthly transfer.</div></div></div></td></tr>
<tr style="height:109.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Asset </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Rebalancing</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Allows you to have your </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investments </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">periodically rebalanced </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">among the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">subaccount</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">s to your </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">pre-selected </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">percentages</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">N/A</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">N/A</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">You must have $2,000 in </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> account value to </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">participate.</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">We require 30 days notice for you to </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">change or cancel the program</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">You can request rebalancing to be </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">done either quarterly, semiannually </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">or annually</div></div></div></td></tr>
<tr style="height:73.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Automated </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Partial </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Surrenders/</div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Systematic </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Withdrawals</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Allows automated </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">partial surrenders from </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">contract</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">N/A</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">N/A</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Additional systematic payments are </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">not allowed with automated partial </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">surrenders</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">May result in income taxes and IRS </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">penalty on all or a portion of the </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">amounts surrendered</div></div></div></td></tr>
<tr style="height:103.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Standard Death </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Benefit </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">(available for </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">owners age 79 </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">and younger)</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Provides a guaranteed </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">death benefit equal to </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the greater of the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">value</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, minus any loan </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">balance, or the Return </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of Purchase Payment </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Value (ROPP), minus </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">any loan balance</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0.60%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> of </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">average daily </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">account value </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">in the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">variable </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> value</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0.60%</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Withdrawals will proportionately </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">reduce the benefit, which means </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">your benefit could be reduced by </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">more than the dollar amount of your </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawals, and such reductions </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">could be significant</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Annuitizing the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">terminates the benefit.</div></div></div></td></tr>
<tr style="height:67.75pt">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Standard Death </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Benefit </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">(available for </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">owners age 80 </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">and older)</div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:111pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Provides a guaranteed </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">death benefit equal to </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">value</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, minus any loan </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">balance</div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0.60%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> of </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">average daily </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">account value </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">in the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">variable </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> value</div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0.60%</div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:176.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Annuitizing the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">terminates the benefit.</div></div></div></td></tr></table></div>
<div style="line-height:10.2300pt;margin-top:2.00pt;text-align:left"><div style="margin-top:2pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The following table summarizes information about the benefits available under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:0.00pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="height:26.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:86.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Name of Benefit</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:111pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Purpose</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Maximum Fee</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:77pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current Fee</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:176.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Brief Description of Restrictions/ </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Limitations</div></div></div></div></td></tr>
<tr style="height:15.75pt">
<td colspan="5" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:528.0pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Standard</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> Benefits</div></div></div></div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Dollar Cost </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Averaging</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Allows the systematic </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">transfer of a specified </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">dollar amount among </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">subaccount</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">s</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">N/A</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">N/A</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfers not available to or from </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPAs</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> or the Special DCA </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">fixed </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">account</div></div></div></td></tr>
<tr style="height:156.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Special Dollar </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Cost Averaging </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">(SDCA)</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Allows the systematic </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">transfer from the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Special DCA </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">fixed </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> to one or more </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">eligible </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">subaccount</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">s</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">N/A</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">N/A</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Must be funded with a purchase </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">payment, not transferred </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">account value</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Only 6-month and 12-month options </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">may be available</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfers occur on a monthly basis </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">and the first monthly transfer </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">occurs one day after we receive </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">your purchase payment</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">You may not use the GPA account or </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">the Special DCA </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">fixed account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> as a </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">destination for the Special DCA </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">monthly transfer.</div></div></div></td></tr>
<tr style="height:109.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Asset </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Rebalancing</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Allows you to have your </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investments </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">periodically rebalanced </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">among the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">subaccount</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">s to your </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">pre-selected </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">percentages</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">N/A</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">N/A</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">You must have $2,000 in </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> account value to </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">participate.</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">We require 30 days notice for you to </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">change or cancel the program</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">You can request rebalancing to be </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">done either quarterly, semiannually </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">or annually</div></div></div></td></tr>
<tr style="height:73.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Automated </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Partial </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Surrenders/</div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Systematic </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Withdrawals</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Allows automated </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">partial surrenders from </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">contract</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">N/A</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">N/A</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Additional systematic payments are </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">not allowed with automated partial </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">surrenders</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">May result in income taxes and IRS </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">penalty on all or a portion of the </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">amounts surrendered</div></div></div></td></tr>
<tr style="height:103.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Standard Death </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Benefit </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">(available for </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">owners age 79 </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">and younger)</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:111pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Provides a guaranteed </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">death benefit equal to </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the greater of the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">value</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, minus any loan </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">balance, or the Return </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of Purchase Payment </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Value (ROPP), minus </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">any loan balance</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0.60%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> of </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">average daily </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">account value </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">in the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">variable </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> value</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0.60%</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:176.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Withdrawals will proportionately </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">reduce the benefit, which means </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">your benefit could be reduced by </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">more than the dollar amount of your </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawals, and such reductions </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">could be significant</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Annuitizing the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">terminates the benefit.</div></div></div></td></tr>
<tr style="height:67.75pt">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:86.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Standard Death </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Benefit </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">(available for </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">owners age 80 </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">and older)</div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:111pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Provides a guaranteed </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">death benefit equal to </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">value</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, minus any loan </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">balance</div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0.60%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> of </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">average daily </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">account value </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">in the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">variable </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> value</div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:77pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0.60%</div></div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:176.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Annuitizing the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">terminates the benefit.</div></div></div></td></tr></table></div>
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Dollar Cost </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Averaging</div></div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Allows the systematic </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">transfer of a specified </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">dollar amount among </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">subaccount</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">s</div></div></div>
<div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfers not available to or from </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">GPAs</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> or the Special DCA </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">fixed </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">account</div></div>
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Special Dollar </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Cost Averaging </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">(SDCA)</div></div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Allows the systematic </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">transfer from the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Special DCA </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">fixed </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> to one or more </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">eligible </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">subaccount</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">s</div></div></div>
<div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Must be funded with a purchase </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">payment, not transferred </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">account value</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Only 6-month and 12-month options </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">may be available</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Transfers occur on a monthly basis </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">and the first monthly transfer </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">occurs one day after we receive </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">your purchase payment</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">You may not use the GPA account or </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">the Special DCA </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">fixed account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> as a </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">destination for the Special DCA </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">monthly transfer.</div></div>
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Asset </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Rebalancing</div></div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Allows you to have your </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investments </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">periodically rebalanced </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">among the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">subaccount</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">s to your </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">pre-selected </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">percentages</div></div>
<div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">You must have $2,000 in </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> account value to </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">participate.</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">We require 30 days notice for you to </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">change or cancel the program</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">You can request rebalancing to be </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">done either quarterly, semiannually </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">or annually</div></div>
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Automated </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Partial </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Surrenders/</div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Systematic </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Withdrawals</div></div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Allows automated </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">partial surrenders from </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">contract</div></div></div>
<div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Additional systematic payments are </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">not allowed with automated partial </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">surrenders</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">May result in income taxes and IRS </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">penalty on all or a portion of the </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">amounts surrendered</div></div>
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Standard Death </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Benefit </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">(available for </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">owners age 79 </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">and younger)</div></div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Provides a guaranteed </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">death benefit equal to </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the greater of the </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">value</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, minus any loan </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">balance, or the Return </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of Purchase Payment </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Value (ROPP), minus </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">any loan balance</div></div>
0.006
0.006
<div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Withdrawals will proportionately </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">reduce the benefit, which means </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">your benefit could be reduced by </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">more than the dollar amount of your </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">withdrawals, and such reductions </div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">could be significant</div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Annuitizing the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">terminates the benefit.</div></div>
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Standard Death </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Benefit </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">(available for </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">certificate</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">owners age 80 </div></div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">and older)</div></div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Provides a guaranteed </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">death benefit equal to </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">value</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">, minus any loan </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">balance</div></div>
0.006
0.006
<div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">•</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0.5pt; letter-spacing: 0px; top: 0px;display:inline;">Annuitizing the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">terminates the benefit.</div></div>
<div style="line-height:16.74pt;text-align:left"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;">Benefits in Case of Death </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;">– Standard Death Benefit</div></div></div><div style="line-height:10.2300pt;margin-top:2.00pt;text-align:left"><div style="margin-top:2pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">We will pay the death benefit to your beneficiary upon your death if you die before the annuitization start date with a </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account value greater than zero.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">If you are age 79 or younger on the date we issue the certificate, the beneficiary receives the greater of:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.0pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the certificate account value, minus any loan balance; or</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the Return of Purchase Payments (ROPP) value, minus any loan balance.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div style="line-height:10.2300pt;margin-top:6.7700pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">If you are age 80 or older on the certificate date, the beneficiary receives the certificate account value, minus any loan </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">balance.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-left:3pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Here are some terms that are used to describe the death benefit:</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-left:3pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">ROPP Value:</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> is the total purchase payments on the certificate issue date. Additional purchase payments will be added </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">to the ROPP value. Adjusted partial surrenders will be subtracted from the ROPP value.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-left:3pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">If you take a partial surrender, the applicable ROPP Value will be reduced proportionally based on the percentage of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate account value that is withdrawn. This means that if the certificate account value is higher than the ROPP </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Value at the time of a partial surrender, then the ROPP Value is reduced by an amount that is less than the dollar </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">amount withdrawn. Conversely, if the certificate account value is lower than the ROPP Value at the time of a partial </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">surrender, then the ROPP Value is reduced by an amount that is more than the dollar amount withdrawn.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:217.97pt">
<tr style="height:10.5pt">
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:133.97pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Adjusted partial surrenders</div></div></div></div></td>
<td rowspan="2" style="padding-bottom:3.75pt;padding-top:3.75pt;vertical-align:Middle;width:18pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">=</div></div></div></div></td>
<td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Middle;width:66pt"><div style="line-height:10.3000pt;text-align:left"><div style="border-bottom:0.5pt solid #000000;margin-left:9.09%;margin-right:0%;padding-bottom:1pt"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">a </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">X</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> b</div></div></div></div></div></td></tr>
<tr style="height:11.5pt">
<td style="padding-bottom:1.5pt;padding-top:3.75pt;vertical-align:Middle;width:66pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">c</div></div></div></div></td></tr></table></div><div style="line-height: 0pt; text-align: left; font-size: 1pt; background: none;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:525pt">
<tr style="height:9.25pt">
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:14.4pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:6pt;margin-right:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">a</div></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:12pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">=</div></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:498.6pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">amount by which the certificate account value is reduced as a result of the partial surrender.</div></div></div></td></tr>
<tr style="height:11.75pt">
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:14.4pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:6pt;margin-right:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">b</div></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:12pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">=</div></div></div></td>
<td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:498.6pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the ROPP value on the date of (but prior to) the partial surrender.</div></div></div></td></tr>
<tr style="height:10.25pt">
<td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:14.4pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:6pt;margin-right:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">c</div></div></div></td>
<td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:12pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">=</div></div></div></td>
<td style="padding-bottom:3pt;padding-top:2.5pt;vertical-align:Top;width:498.6pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the certificate account value on the date of (but prior to) the partial surrender.</div></div></div></td></tr></table></div><div style="line-height:10.2300pt;margin-top:6pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">For a spouse who continues the contract and is age 79 or younger, we set the ROPP value to the certificate account </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">value on the date of the continuation after any increase to the certificate account value due to the death benefit that </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">would otherwise have been paid.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Example of death benefit calculation when you are age 79 or younger on the certificate effective date:</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">You purchase the certificate with a payment of $20,000</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">During the second certificate year the certificate account value falls to $18,000, at which point you take a $1,500 </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">partial surrender, leaving a certificate account value of $16,500.</div></div></div><div style="clear:both;position:relative;width:100%"><div style="float: left; text-align: left; width: 523pt; font-size: 1pt; background: none;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:528pt">
<tr style="height:9.75pt">
<td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:486pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">We calculate the death benefit as follows, assuming $0 loan balance:</div></div></div></td>
<td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:42pt"><div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:39pt"><div style="display:flex;margin:auto;width:41.0pt"><div style="display:flex;white-space:nowrap;width:41.0pt"> </div></div></div></td></tr>
<tr style="height:12.75pt">
<td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:486pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">The total purchase payments minus adjustments for partial surrenders:</div></div></div></td>
<td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:42pt"><div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:39pt"><div style="display:flex;margin:auto;width:41.0pt"><div style="display:flex;white-space:nowrap;width:41.0pt"> </div></div></div></td></tr>
<tr style="height:12.75pt">
<td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-left: 12pt; margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9.3pt;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:459pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Total purchase payments</div></div></div></td>
<td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:42pt"><div style="line-height:10.2300pt;margin-left:3pt;text-align:right;width:39pt"><div style="display:flex;margin:auto;width:41.0pt"><div style="display:flex;white-space:nowrap;width:41.0pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; width: 41pt; letter-spacing: 0px; top: 0px;display:inline;">20,000</div></div></div></div></td></tr>
<tr style="height:12.75pt">
<td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-left: 12pt; margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9.3pt;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:459pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">minus adjusted partial surrenders, calculated as:</div></div></div></td>
<td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:42pt"><div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:39pt"><div style="display:flex;margin:auto;width:41.0pt"><div style="display:flex;white-space:nowrap;width:41.0pt"> </div></div></div></td></tr>
<tr style="height:14pt">
<td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Top;width:27pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-left: 12pt; margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9.3pt;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;width:102pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="border-bottom: 0.5pt groove rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">$1,500 × $20,000</div></div></div></td>
<td rowspan="2" style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Middle;width:357pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">=</div></div></div></td>
<td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:42pt"><div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:39pt"><div style="display:flex;margin:auto;width:41.0pt"><div style="display:flex;white-space:nowrap;width:41.0pt"> </div></div></div></td></tr>
<tr style="height:15.25pt">
<td style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Top;width:27pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-left: 12pt; margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9.3pt;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Bottom;width:102pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">$18,000</div></div></div></td>
<td style="padding-bottom:1.25pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:42pt"><div style="line-height:10.3000pt;margin-left:3pt;text-align:right;width:39pt"><div style="display:flex;margin:auto;width:41.0pt"><div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:41.0pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; width: 41pt; letter-spacing: 0px; top: 0px;display:inline;">–1,667</div></div></div></div></td></tr>
<tr style="height:14pt">
<td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Top;width:27pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-left: 12pt; margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9.3pt;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td colspan="2" style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;width:459pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">The death benefit is the ROPP value of:</div></div></div></td>
<td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:42pt"><div style="line-height:10.2300pt;margin-left:3pt;text-align:right;width:39pt"><div style="display:flex;margin:auto;width:41.0pt"><div style="display:flex;white-space:nowrap;width:41.0pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; width: 41pt; letter-spacing: 0px; top: 0px;display:inline;">18,333</div></div></div></div></td></tr>
<tr style="height:10.75pt">
<td style="padding-bottom:1.5pt;padding-top:3pt;vertical-align:Top;width:27pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-left: 12pt; margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9.3pt;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td colspan="2" style="padding-bottom:1.5pt;padding-top:3pt;vertical-align:Bottom;width:459pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">since this is greater than your certificate account value of $16,500</div></div></div></td>
<td style="padding-bottom:1.5pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:42pt"><div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:39pt"><div style="display:flex;margin:auto;width:41.0pt"><div style="display:flex;white-space:nowrap;width:41.0pt"> </div></div></div></td></tr></table></div> <div style="line-height:13.0200pt;margin-top:10pt;text-align:left"><div style="margin-top:10pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 12.09pt; letter-spacing: 0px; top: 0px;display:inline;">If You Die Before the Annuitization Start Date</div></div></div><div style="line-height:10.2300pt;margin-top:2.00pt;text-align:left"><div style="margin-top:2pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">When paying the beneficiary, we will process the death claim on the valuation date our death claim requirements are </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">fulfilled. We will determine the certificate account value using the accumulation unit value we calculate on that valuation </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">date. We pay interest, if any, at a rate no less than required by law. We will mail payment to the beneficiary within seven </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">days after our death claim requirements are fulfilled. Death claim requirements generally include due proof of death and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">will be detailed in the claim materials we send upon notification of death.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The death benefit for each beneficiary will be payable in a lump sum on the valuation date we receive due proof of death </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">from that beneficiary. The beneficiary may elect to receive payment anytime within five years after the date of death.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Some beneficiaries may have additional options. In lieu of a lump sum, your designated beneficiary may elect to receive </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">regular installment payments under one of the following options:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:8.4pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">a.</div></div><div style="float:left;line-height:10.30pt;margin-left:9.6pt;text-align:left;width:505.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">If you have not elected an annuity payout plan, and if death occurs on or after Jan. 1, 2020, the beneficiary is </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">required to withdraw his or her entire inherited interest by December 31 of the 10th year following your date of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">death unless they qualify as an “eligible designated beneficiary.” Your beneficiary may be required to take </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">distributions during the 10-year period if you died after your Required Beginning Date, as defined by Code. Eligible </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div style="line-height:10.2300pt;margin-left:18pt;margin-top:0.00pt;text-align:left"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">designated beneficiaries may continue to take proceeds out over your life expectancy if you died prior to your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Required Beginning Date or over the greater of your life expectancy or their life expectancy if you died after your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Required Beginning Date. Eligible designated beneficiaries include:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;margin-left:18pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:493.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the surviving spouse;</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;margin-left:18pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:493.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">a lawful child of the owner under the age of 21 (remaining amount must be withdrawn by the earlier of the end of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the year the minor turns 31 or end of the 10th year following the minor's death);</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;margin-left:18pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:493.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">disabled within the meaning of Code section 72(m)(7);</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;margin-left:18pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:493.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">chronically ill within the meaning of Code section 7702B(c)(2);</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;margin-left:18pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:493.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">any other person who is not more than 10 years younger than the owner.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div style="line-height:10.2300pt;margin-top:6.7700pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">However, non-natural beneficiaries, such as estates and charities, are subject to a five-year rule to distribute the IRA if </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">you died prior to your Required Beginning Date.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">We will pay the beneficiary in a single sum unless the beneficiary elects to receive payouts under any payout plan </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">available under this contract and:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;margin-left:18pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:493.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the beneficiary elects in writing, and payouts begin, no later than one year following the year of your death; and</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;margin-left:18pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:493.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the payout period does not extend beyond December 31 of the 10</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">th</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> year following your death or the applicable </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">life expectancy for an eligible designated beneficiary.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div style="line-height:10.2300pt;margin-top:6.7700pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">In the event of your beneficiary’s death, their beneficiary can elect to take a lump sum payment or annuitize the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">contract to deplete it within 10 years of your beneficiary’s death.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:8.4pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">b.</div></div><div style="float:left;line-height:10.30pt;margin-left:9.6pt;text-align:left;width:505.0pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">If, upon your death, the designated beneficiary does not elect one of the irrevocable annuity payment plans (A </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">through E), or a single sum distribution, then the designated beneficiary may elect to receive payments according to </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">an alternative plan as agreed to by us provided:</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;margin-left:18pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:493.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the designated beneficiary elects the plan at the time we receive due proof of death;</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;margin-left:18pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:493.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">if your sole designated beneficiary is your surviving spouse, your entire interest will be distributed, beginning no </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">later than the later of December 31 of the calendar year following the calendar year of your death or </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">December 31 of the calendar year in which you would have attained age 73, over the life of the surviving spouse </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">or over a period not extending beyond the life expectancy of the surviving spouse. If the surviving spouse dies </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">before distributions commence, the remaining interest will be distributed, beginning no later than December 31 </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">following the calendar year of the surviving spouse’s death, over the spouse’s designated beneficiary’s </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">remaining life expectancy determined using such beneficiary’s age as of his or her birthday in the year following </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the death of the spouse; or</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;margin-left:18pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:493.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">if your sole designated beneficiary is someone other than your surviving spouse, your entire interest will be </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">distributed, beginning no later than the end of the calendar year following the calendar year of your death, over </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">the remaining life expectancy of the designated beneficiary, with such life expectancy determined using the age </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">of the beneficiary as of his or her birthday in the year following the year of your death and reduced by 1 for each </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">subsequent year;</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;margin-left:18pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:493.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">if you die before your Required Beginning Date and there is no designated beneficiary, or if elected by the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">designated beneficiary, your entire interest will be distributed by December 31 of the calendar year containing the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">fifth anniversary of your death (or of the spouse’s death if the designated beneficiary was your surviving spouse </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">and the spouse dies before distributions are required to begin);</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;margin-left:18pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:493.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">if you die on or after your Required Beginning Date and there is no designated beneficiary, your entire interest will </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">be distributed, beginning no later than December 31 of the calendar year following the calendar year of your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">death, over your remaining life expectancy determined using your age in the year of your death and reduced by 1 </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">for each subsequent year.</div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div>
<div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Example of death benefit calculation when you are age 79 or younger on the certificate effective date:</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">You purchase the certificate with a payment of $20,000</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:3.7700pt;position:relative;width:100%"><div style="float:left;line-height:10.30pt;text-align:left;width:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">•</div></div><div style="float:left;line-height:10.30pt;margin-left:6pt;text-align:left;width:511.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">During the second certificate year the certificate account value falls to $18,000, at which point you take a $1,500 </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">partial surrender, leaving a certificate account value of $16,500.</div></div></div><div style="clear:both;position:relative;width:100%"><div style="float: left; text-align: left; width: 523pt; font-size: 1pt; background: none;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:528pt">
<tr style="height:9.75pt">
<td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:486pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">We calculate the death benefit as follows, assuming $0 loan balance:</div></div></div></td>
<td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:42pt"><div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:39pt"><div style="display:flex;margin:auto;width:41.0pt"><div style="display:flex;white-space:nowrap;width:41.0pt"> </div></div></div></td></tr>
<tr style="height:12.75pt">
<td colspan="3" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:486pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:12pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">The total purchase payments minus adjustments for partial surrenders:</div></div></div></td>
<td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:42pt"><div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:39pt"><div style="display:flex;margin:auto;width:41.0pt"><div style="display:flex;white-space:nowrap;width:41.0pt"> </div></div></div></td></tr>
<tr style="height:12.75pt">
<td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-left: 12pt; margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9.3pt;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:459pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Total purchase payments</div></div></div></td>
<td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:42pt"><div style="line-height:10.2300pt;margin-left:3pt;text-align:right;width:39pt"><div style="display:flex;margin:auto;width:41.0pt"><div style="display:flex;white-space:nowrap;width:41.0pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; width: 41pt; letter-spacing: 0px; top: 0px;display:inline;">20,000</div></div></div></div></td></tr>
<tr style="height:12.75pt">
<td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:27pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-left: 12pt; margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9.3pt;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:459pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">minus adjusted partial surrenders, calculated as:</div></div></div></td>
<td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:42pt"><div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:39pt"><div style="display:flex;margin:auto;width:41.0pt"><div style="display:flex;white-space:nowrap;width:41.0pt"> </div></div></div></td></tr>
<tr style="height:14pt">
<td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Top;width:27pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-left: 12pt; margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9.3pt;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td style="padding-bottom:1.25pt;padding-top:3pt;vertical-align:Bottom;width:102pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="border-bottom: 0.5pt groove rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">$1,500 × $20,000</div></div></div></td>
<td rowspan="2" style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Middle;width:357pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">=</div></div></div></td>
<td style="padding-bottom:4.25pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:42pt"><div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:39pt"><div style="display:flex;margin:auto;width:41.0pt"><div style="display:flex;white-space:nowrap;width:41.0pt"> </div></div></div></td></tr>
<tr style="height:15.25pt">
<td style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Top;width:27pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-left: 12pt; margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9.3pt;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Bottom;width:102pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">$18,000</div></div></div></td>
<td style="padding-bottom:1.25pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:42pt"><div style="line-height:10.3000pt;margin-left:3pt;text-align:right;width:39pt"><div style="display:flex;margin:auto;width:41.0pt"><div style="border-bottom:0.5pt groove #000000;display:flex;white-space:nowrap;width:41.0pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; width: 41pt; letter-spacing: 0px; top: 0px;display:inline;">–1,667</div></div></div></div></td></tr>
<tr style="height:14pt">
<td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Top;width:27pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-left: 12pt; margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9.3pt;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td colspan="2" style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;width:459pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">The death benefit is the ROPP value of:</div></div></div></td>
<td style="padding-bottom:3pt;padding-top:4.25pt;vertical-align:Bottom;white-space:nowrap;width:42pt"><div style="line-height:10.2300pt;margin-left:3pt;text-align:right;width:39pt"><div style="display:flex;margin:auto;width:41.0pt"><div style="display:flex;white-space:nowrap;width:41.0pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">$</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; width: 41pt; letter-spacing: 0px; top: 0px;display:inline;">18,333</div></div></div></div></td></tr>
<tr style="height:10.75pt">
<td style="padding-bottom:1.5pt;padding-top:3pt;vertical-align:Top;width:27pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-left: 12pt; margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9.3pt;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td>
<td colspan="2" style="padding-bottom:1.5pt;padding-top:3pt;vertical-align:Bottom;width:459pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">since this is greater than your certificate account value of $16,500</div></div></div></td>
<td style="padding-bottom:1.5pt;padding-top:3pt;vertical-align:Bottom;white-space:nowrap;width:42pt"><div style="line-height:0.5pt;margin-left:3pt;text-align:right;width:39pt"><div style="display:flex;margin:auto;width:41.0pt"><div style="display:flex;white-space:nowrap;width:41.0pt"> </div></div></div></td></tr></table></div>
<div style="line-height:16.74pt;text-align:left"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;">Appendix </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;">A</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;">: Investment Options Available Under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;">Contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;"> and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 16.74pt; letter-spacing: 0px; top: 0px;display:inline;">Certificate</div></div><div style="line-height:10.2300pt;margin-top:2.00pt;text-align:left"><div style="margin-top:2pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The following is a list of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> available under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">. More information about the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> is available </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">in the prospectuses for the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">, which may be amended from time to time and can be found online at </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">riversource.com. You can also request this information at no cost by calling 1-800-862-7919 or by sending an email </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">request to riversource.annuityservice@ampf.com.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The current expenses and performance information below reflects fee and expenses of the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">, but do not reflect the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">other fees and expenses that your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> may charge. Expenses would be higher and performance would be lower if </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">these other charges were included. Each </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">fund’s</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> past performance is not necessarily an indication of future </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">performance.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div>
<div style="line-height:10.2300pt;margin-top:2.00pt;text-align:left"><div style="margin-top:2pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The following is a list of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> available under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> and </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">certificate</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">. More information about the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> is available </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">in the prospectuses for the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">, which may be amended from time to time and can be found online at </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">riversource.com. You can also request this information at no cost by calling 1-800-862-7919 or by sending an email </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">request to riversource.annuityservice@ampf.com.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The current expenses and performance information below reflects fee and expenses of the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">funds</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">, but do not reflect the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">other fees and expenses that your </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> may charge. Expenses would be higher and performance would be lower if </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">these other charges were included. Each </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">fund’s</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> past performance is not necessarily an indication of future </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">performance.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div>
<div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="height:31pt">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investment Objective</div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Fund and</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adviser/Sub-Adviser</div></div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Expenses</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Ratio</div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">[NET]</div></div></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns</div></div></div><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">(as of </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">12/31/2025</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">)</div></div></div></div></td></tr>
<tr style="height:15.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Year</div></div></div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to maximize total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return consistent with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">AllianceBernstein's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">determination of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">reasonable risk.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">AB VPS Dynamic Asset Allocation Portfolio </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class B)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">AllianceBernstein L.P.</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.10%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">13.21%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">4.74%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">5.25%</div></div> </div></div></td></tr>
<tr style="height:26.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term growth </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of capital.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">AB VPS Large Cap Growth Portfolio (Class B)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">AllianceBernstein L.P.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"> <div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.90%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">12.85%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">11.76%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">15.88%</div></div> </div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Allspring VT Opportunity Fund (Class 2)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Allspring Funds Management, LLC, adviser; </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Allspring Global Investments, LLC, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">subadviser.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">6.71%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">8.94%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">11.85%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Allspring VT Small Cap Growth Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Allspring Funds Management, LLC, adviser; </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Allspring Global Investments, LLC, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">subadviser.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"> <div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.16%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">9.25%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">(0.96%)</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">9.94%</div></div> </div></div></td></tr>
<tr style="height:114.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">The Portfolio seeks </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investment results that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">correspond (before fees </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">and expenses) generally </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">to the price and yield </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">performance of its </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">underlying index, the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Alerian Midstream </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Energy Select Index (the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">"Index").</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">ALPS | Alerian Energy Infrastructure Portfolio </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class III)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">ALPS Advisors, Inc.</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"> <div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.30%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">4.66%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">22.06%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">10.70%</div></div> </div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks high total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investment return.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">BlackRock Global Allocation V.I. Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class III)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">3</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">BlackRock Advisors, LLC, adviser; BlackRock </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">(Singapore) Limited, subadviser.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.01%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">19.42%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">5.51%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.33%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks maximum total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investment return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">through a combination </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of capital growth and </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Balanced Fund </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2) (available for contract applications </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">signed on or after 5/3/2021)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.96%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">13.75%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">8.45%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">9.48%</div></div> </div></div></td></tr>
<tr style="height:56.75pt">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks maximum total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investment return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">through a combination </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of capital growth and </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income.</div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Balanced Fund </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 3) (available for contract applications </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">signed prior to 5/3/2021)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.84%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">13.91%</div></div> </div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">8.59%</div></div> </div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">9.59%</div></div> </div></div></td></tr></table></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="height:31pt">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investment Objective</div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Fund and</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adviser/Sub-Adviser</div></div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Expenses </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Ratio</div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">[NET]</div></div></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns</div></div></div><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">(as of 12/31/2025)</div></div></div></td></tr>
<tr style="height:15.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Year</div></div></div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Commodity </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.98%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">15.30%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">12.44%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">6.46%</div></div> </div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks total return, </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">consisting of long-term </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital appreciation and </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Contrarian Core </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.95%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">17.35%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">13.89%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">14.03%</div></div> </div></div></td></tr>
<tr style="height:70.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Cornerstone </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Growth Fund (Class 2) (previously Columbia </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Large Cap Growth Fund </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2))</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"> <div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.96%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">15.85%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">13.75%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">15.69%</div></div> </div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital appreciation.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Disciplined </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Core Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"> <div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.93%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">14.35%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">13.87%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">13.31%</div></div> </div></div></td></tr>
<tr style="height:70.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of current income </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">and, as a secondary </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">objective, steady growth </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of capital.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Dividend </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Opportunity Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.90%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">15.56%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">11.60%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">10.15%</div></div> </div></div></td></tr>
<tr style="height:81.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Non-diversified fund that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">total return through </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income and, </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">secondarily, through </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital appreciation.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Emerging </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Markets Bond Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"> <div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.98%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">12.65%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">1.47%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">4.03%</div></div> </div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Emerging </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Markets Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.34%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">30.87%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">(1.37%)</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.00%</div></div> </div></div></td></tr>
<tr style="height:70.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">maximum current </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income consistent with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">liquidity and stability of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">principal.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Government </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Money Market Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.59%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">3.71%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">2.79%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">1.72%</div></div> </div></div></td></tr>
<tr style="height:81.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income as its </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">primary objective and, </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">as its secondary </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">objective, capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">growth.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - High Yield Bond </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.89%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">8.49%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">3.93%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">5.51%</div></div> </div></div></td></tr>
<tr style="height:56.75pt">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">total return through </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income and </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital appreciation.</div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Income </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Opportunities Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.89%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">8.43%</div></div> </div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">3.60%</div></div> </div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"> <div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">5.17%</div></div> </div></div></td></tr></table></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="height:31pt">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investment Objective</div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Fund and</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adviser/Sub-Adviser</div></div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Expenses </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Ratio</div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">[NET]</div></div></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns</div></div></div><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">(as of 12/31/2025)</div></div></div></td></tr>
<tr style="height:15.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Year</div></div></div></div></td></tr>
<tr style="height:81.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of current income </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while attempting to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">conserve the value of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the investment for the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">longest period of time.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Intermediate </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Bond Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.78%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">8.84%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">(0.68%)</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">2.52%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Large Cap Index </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2) (available for contract </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">applications signed on or after 5/3/2021)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.50%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">17.25%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">13.84%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">14.21%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Large Cap Index </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 3) (available for contract </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">applications signed prior to 5/3/2021)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.38%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">17.43%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">13.98%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">14.35%</div></div> </div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks total return, </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">consisting of current </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income and capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Long </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Government/Credit Bond Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.72%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">5.98%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">(5.48%)</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">1.31%</div></div> </div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital appreciation.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Overseas Core </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.05%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">37.96%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">8.92%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.55%</div></div> </div></div></td></tr>
<tr style="height:70.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">total return through </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income and growth of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Select </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Corporate Income Fund (Class 2) (previously </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Corporate Bond </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2))</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.72%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">7.55%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">1.20%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">1.94%</div></div> </div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term growth of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Select Large </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap Value Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.94%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">27.97%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">13.32%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">12.30%</div></div> </div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">growth of capital.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Select Mid Cap </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Growth Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.08%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">14.86%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.26%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">11.89%</div></div> </div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term growth of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Select Mid Cap </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Value Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.08%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">13.87%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">10.90%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">10.17%</div></div> </div></div></td></tr>
<tr style="height:70.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with a </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of current income </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">consistent with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">preservation of capital.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Select Short </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Corporate Income Fund (Class 2) (previously </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Limited </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Duration Credit Fund (Class 2))</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.66%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">6.00%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">1.90%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">2.94%</div></div> </div></div></td></tr>
<tr style="height:45.75pt">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Select Small </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap Value Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.10%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">6.30%</div></div> </div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">8.66%</div></div> </div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.97%</div></div> </div></div></td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="height:31pt">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investment Objective</div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Fund and</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adviser/Sub-Adviser</div></div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Expenses </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Ratio</div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">[NET]</div></div></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns</div></div></div><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">(as of 12/31/2025)</div></div></div></td></tr>
<tr style="height:15.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Year</div></div></div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks total return, </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">consisting of current </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income and capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Strategic </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Income Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.95%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">6.88%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">1.87%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">3.99%</div></div> </div></div></td></tr>
<tr style="height:81.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income as its </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">primary objective and, </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">as its secondary </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">objective, preservation </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of capital.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Government Mortgage Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.70%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">8.83%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">(0.32%)</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">1.65%</div></div> </div></div></td></tr>
<tr style="height:92.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Non-diversified fund that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return that exceeds the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">rate of inflation over the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long term.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - BlackRock Global Inflation-Linked </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Securities Fund (Class 2) (previously CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">- BlackRock Global Inflation-Protected </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Securities Fund (Class 2))</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; BlackRock Financial </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management, Inc., subadviser; BlackRock </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">International Limited, sub-subadviser.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.87%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">3.84%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">(1.74%)</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">1.71%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income and </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital appreciation.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - CenterSquare Real Estate Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; CenterSquare Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management LLC, subadviser.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.09%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">2.11%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">6.36%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">5.44%</div></div> </div></div></td></tr>
<tr style="height:81.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of current income.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - Fidelity Institutional AM</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> Total Bond </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2) (previously CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - American </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Century Diversified Bond Fund (Class 2))</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; FIAM LLC, subadviser; FMR </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Investment Management (UK) Limited, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">sub-subadviser.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.74%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">7.24%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">(0.57%)</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">2.08%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - Principal Large Cap Growth Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Principal Global Investors, LLC, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">subadviser.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.95%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">13.49%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">10.20%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">14.38%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term growth of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital and income.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - T. Rowe Price Large Cap Value Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; T. Rowe Price Associates, Inc., </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">subadviser.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.94%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">12.12%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">10.15%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">9.64%</div></div> </div></div></td></tr>
<tr style="height:70.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return through current </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income and capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - TCW Total Return Bond Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2) (previously CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - TCW Core Plus </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Bond Fund (Class 2))</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; TCW Investment Management </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Company LLC, subadviser.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.75%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">7.31%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">(0.78%)</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">1.79%</div></div> </div></div></td></tr>
<tr style="height:56.75pt">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term growth of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital.</div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - Victory Sycamore Established Value </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Victory Capital Management </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Inc., subadviser.</div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.07%</div></div> </div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">2.00%</div></div> </div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">9.37%</div></div> </div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">10.43%</div></div> </div></div></td></tr></table><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="height:31pt">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investment Objective</div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Fund and</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adviser/Sub-Adviser</div></div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Expenses </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Ratio</div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">[NET]</div></div></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns</div></div></div><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">(as of 12/31/2025)</div></div></div></td></tr>
<tr style="height:15.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Year</div></div></div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - Wellington Large Cap Value Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Wellington Management </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Company LLP, subadviser.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.86%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">19.61%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">10.97%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">10.43%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - Westfield Mid Cap Growth Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Westfield Capital Management </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Company, L.P., subadviser.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.08%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">10.12%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">6.89%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">11.90%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - Westfield Select Large Cap Growth </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Westfield Capital Management </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Company, L.P., subadviser.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.94%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">16.98%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">1.78%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">13.02%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">DWS Alternative Asset Allocation VIP </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class B)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">DWS Investment Management Americas </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Inc., adviser; RREEF America L.L.C., </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">subadviser.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.31%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">10.03%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">4.88%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">4.52%</div></div> </div></div></td></tr>
<tr style="height:103.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fidelity</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> VIP Contrafund</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> Portfolio (Service </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Fidelity Management & Research Company, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">adviser; Fidelity Management & Research </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Company (UK) Limited, Fidelity </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management & Research Company (Hong </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Kong) Limited, Fidelity Management & </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Research Company (Japan) Limited, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">subadvisers.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.79%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">21.24%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">15.08%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">15.49%</div></div> </div></div></td></tr>
<tr style="height:103.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term growth </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of capital.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fidelity</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> VIP Mid Cap Portfolio (Service </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Fidelity Management & Research Company, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">adviser; Fidelity Management & Research </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Company (UK) Limited, Fidelity </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management & Research Company (Hong </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Kong) Limited, Fidelity Management & </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Research Company (Japan) Limited, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">subadvisers.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.80%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">11.49%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">9.83%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">10.31%</div></div> </div></div></td></tr>
<tr style="height:122.75pt">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks a high level of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income and may </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">also seek capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fidelity</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> VIP Strategic Income Portfolio </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Service Class 2)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Fidelity Management & Research Company, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">adviser; Fidelity Management & Research </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Company (UK) Limited, Fidelity </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management & Research Company (Hong </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Kong) Limited, Fidelity Management & </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Research Company (Japan) Limited, FIL </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Investment Advisers, FIL Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Advisers (UK) Limited and FIL Investments </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">(Japan) Limited, subadvisers.</div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.88%</div></div> </div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">8.58%</div></div> </div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">2.79%</div></div> </div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">4.40%</div></div> </div></div></td></tr></table></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="height:31pt">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investment Objective</div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Fund and</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adviser/Sub-Adviser</div></div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Expenses </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Ratio</div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">[NET]</div></div></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns</div></div></div><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">(as of 12/31/2025)</div></div></div></td></tr>
<tr style="height:15.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Year</div></div></div></div></td></tr>
<tr style="height:103.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to maximize </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income while </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">maintaining prospects </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">for capital appreciation. </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Under normal market </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">conditions, the fund </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">invests in a diversified </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">portfolio of equity and </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">debt securities.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Franklin Income VIP Fund (Class 2)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Franklin Advisers, Inc.</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.72%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">12.56%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.66%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.30%</div></div> </div></div></td></tr>
<tr style="height:125.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation, with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income as a secondary </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">goal. Under normal </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market conditions, the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">fund invests primarily in </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. and foreign equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">securities that the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investment manager </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">believes are </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">undervalued.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Franklin Mutual Shares VIP Fund (Class 2)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Franklin Mutual Advisers, LLC</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.94%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">11.52%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">9.20%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.53%</div></div> </div></div></td></tr>
<tr style="height:92.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return. Under normal </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market conditions, the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">fund invests at least </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">80% of its net assets in </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investments of small </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capitalization </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">companies.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Franklin Small Cap Value VIP Fund (Class 2)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Franklin Mutual Advisers, LLC</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.91%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">7.65%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">8.86%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">9.81%</div></div> </div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks total return with a </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">low to moderate </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">correlation to traditional </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">financial market indices.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Invesco V.I. Balanced-Risk Allocation Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Series II Shares)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Invesco Advisers, Inc.</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.13%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">8.69%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">2.27%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">4.91%</div></div> </div></div></td></tr>
<tr style="height:26.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Invesco V.I. Global Fund (Series II Shares)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Invesco Advisers, Inc.</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.06%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">15.05%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.01%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">10.72%</div></div> </div></div></td></tr>
<tr style="height:37.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks total return</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Invesco V.I. Global Strategic Income Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Series II Shares)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Invesco Advisers, Inc.</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.20%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">12.75%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">1.39%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">2.76%</div></div> </div></div></td></tr>
<tr style="height:37.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Invesco V.I. Main Street Small Cap Fund</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Series II Shares)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Invesco Advisers, Inc.</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.09%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">8.44%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">8.07%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">10.31%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">growth, consistent with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">preservation of capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">and balanced by current </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Janus Henderson Balanced Portfolio </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Service Shares)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Janus Henderson Investors US LLC</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.87%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">14.84%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">8.21%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">9.86%</div></div> </div></div></td></tr>
<tr style="height:45.75pt">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to obtain </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">maximum total return, </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">consistent with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">preservation of capital.</div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Janus Henderson Flexible Bond Portfolio </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Service Shares)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Janus Henderson Investors US LLC</div></div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.82%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">7.22%</div></div> </div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">(0.47%)</div></div> </div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">2.07%</div></div> </div></div></td></tr></table></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="height:31pt">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investment Objective</div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Fund and</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adviser/Sub-Adviser</div></div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Expenses </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Ratio</div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">[NET]</div></div></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns</div></div></div><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">(as of 12/31/2025)</div></div></div></td></tr>
<tr style="height:15.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Year</div></div></div></div></td></tr>
<tr style="height:70.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Non-diversified fund that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">pursues its investment </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">objective by investing </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">primarily in common </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">stocks selected for their </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">growth potential.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Janus Henderson Research Portfolio </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Service Shares)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Janus Henderson Investors US LLC</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.07%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">18.10%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">13.83%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">15.59%</div></div> </div></div></td></tr>
<tr style="height:37.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks total return.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Lazard Retirement Global Dynamic </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Multi-Asset Portfolio (Service Shares)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Lazard Asset Management, LLC</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.05%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">15.72%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">5.19%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">5.93%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">growth. Income is a </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">secondary objective.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">LVIP American Century Value Fund (Service </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Class)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Lincoln Financial Investments Corporation, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">adviser; American Century Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management, Inc., subadviser.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.86%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">15.85%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">11.47%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">10.07%</div></div> </div></div></td></tr>
<tr style="height:26.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks total return.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">MFS</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> Utilities Series (Service Class)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Massachusetts Financial Services Company</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.03%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">14.76%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.38%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">9.22%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">The Fund seeks </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">by investing primarily in </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">common stocks and </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">other equity securities.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Morgan Stanley VIF Discovery Portfolio </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class II Shares)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Morgan Stanley Investment Management </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Inc.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.05%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">12.44%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">(5.46%)</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">14.04%</div></div> </div></div></td></tr>
<tr style="height:92.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term growth </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of capital by investing </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">primarily in securities of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">companies that meet </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">environmental, social </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">and governance (ESG) </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">criteria.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Neuberger Berman AMT Quality Equity </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio (Class S) (previously Neuberger </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Berman AMT Sustainable Equity Portfolio </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class S))</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Neuberger Berman Investment Advisers LLC</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.12%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">13.41%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">12.54%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">12.66%</div></div> </div></div></td></tr>
<tr style="height:70.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nomura VIP Asset Strategy Series (Service </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Class) (previously Macquarie VIP Asset </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Series (Service Class))</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Delaware Management Company, adviser; </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Macquarie Investment Management Global </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Limited, subadviser.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.77%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">16.66%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.07%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.84%</div></div> </div></div></td></tr>
<tr style="height:70.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks maximum real </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return, consistent with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">preservation of real </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital and prudent </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investment </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">management.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">PIMCO VIT All Asset Portfolio (Advisor </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Class)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Pacific Investment Management Company </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC (PIMCO)</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">2.23%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">14.19%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">5.49%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">6.67%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks total return which </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exceeds that of a blend </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of 60% MSCI World </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index/40% Barclays </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Aggregate Index.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">PIMCO VIT Global Managed Asset Allocation </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio (Advisor Class)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Pacific Investment Management Company </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC (PIMCO)</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.31%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">21.77%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">6.94%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.88%</div></div> </div></div></td></tr>
<tr style="height:56.75pt">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks maximum total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return, consistent with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">preservation of capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">and prudent investment </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">management.</div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">PIMCO VIT Total Return Portfolio (Advisor </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Class)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Pacific Investment Management Company </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC (PIMCO)</div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.83%</div></div> </div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">8.78%</div></div> </div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">(0.08%)</div></div> </div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">2.26%</div></div> </div></div></td></tr></table></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="height:31pt">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investment Objective</div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Fund and</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adviser/Sub-Adviser</div></div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Expenses </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Ratio</div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">[NET]</div></div></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns</div></div></div><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">(as of 12/31/2025)</div></div></div></td></tr>
<tr style="height:15.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Year</div></div></div></div></td></tr>
<tr style="height:136.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks high current </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income, consistent with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">preservation of capital, </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">with capital appreciation </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">as a secondary </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">consideration. Under </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">normal market </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">conditions, the fund </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">invests at least 80% of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">its net assets in debt </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">securities of any </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">maturity.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Templeton Global Bond VIP Fund (Class 2)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Franklin Advisers, Inc.</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.75%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">15.73%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">(0.96%)</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">(0.15%)</div></div> </div></div></td></tr>
<tr style="height:103.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation by </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investing in common </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">stocks of gold-mining </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">companies. The Fund </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">may take current </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income into </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">consideration when </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">choosing investments.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">VanEck VIP Global Gold Fund (Class S </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Shares)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">Van Eck Associates Corporation</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.45%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 2pt; letter-spacing: 0px; top: 0px;display:inline;">164.43%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">20.00%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">20.89%</div></div> </div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of total return that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">is consistent with an </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">aggressive level of risk.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Aggressive Portfolio </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.04%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">17.63%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">8.13%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">9.06%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of total return that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">is consistent with a </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">conservative level of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">risk.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Conservative Portfolio </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.89%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">10.21%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">1.62%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">3.53%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Managed Risk Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1,3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.02%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">12.15%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">4.73%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14.8pt; letter-spacing: 0px; top: 0px;display:inline;">-</div></div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Managed Risk U.S. Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1,3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.99%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">9.59%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">5.64%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14.8pt; letter-spacing: 0px; top: 0px;display:inline;">-</div></div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Managed Volatility </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Conservative Fund (Class 2)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1,3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.95%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">9.17%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">1.15%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">3.33%</div></div> </div></div></td></tr>
<tr style="height:56.75pt">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Managed Volatility </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Conservative Growth Fund (Class 2)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1,3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.97%</div></div> </div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">11.02%</div></div> </div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">2.66%</div></div> </div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">4.53%</div></div> </div></div></td></tr></table></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="height:31pt">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investment Objective</div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Fund and</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adviser/Sub-Adviser</div></div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Expenses </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Ratio</div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">[NET]</div></div></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns</div></div></div><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">(as of 12/31/2025)</div></div></div></td></tr>
<tr style="height:15.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Year</div></div></div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Managed Volatility Growth </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1,3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.01%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">14.75%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">5.83%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">6.95%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund’s </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Managed Volatility </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Moderate Growth Fund (Class 2)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1,3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.98%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">12.87%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">4.29%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">5.82%</div></div> </div></div></td></tr>
<tr style="height:48.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of total return that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">is consistent with a </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">moderate level of risk.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Moderate Portfolio </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.96%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">13.86%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">4.91%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">6.42%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of total return that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">is consistent with a </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">moderately aggressive </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of risk.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Moderately Aggressive </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio (Class 2)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">15.71%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">6.44%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.71%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of total return that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">is consistent with a </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">moderately conservative </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of risk.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Moderately Conservative </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio (Class 2)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.94%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">12.10%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">3.18%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">4.92%</div></div> </div></div></td></tr>
<tr style="height:81.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of current income </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while conserving the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">value of the investment </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">for the longest period of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">time.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Partners Core Bond Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; J.P. Morgan Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management Inc. and Allspring Global </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Investments, LLC, subadvisers.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.73%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">7.28%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">(0.23%)</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">1.99%</div></div> </div></div></td></tr>
<tr style="height:70.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Partners Core Equity Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; J.P. Morgan Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management Inc. and T. Rowe Price </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Associates, Inc., subadvisers.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.93%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">13.14%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">13.04%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">12.63%</div></div> </div></div></td></tr>
<tr style="height:92.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term growth of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Partners International </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Core Equity Fund (Class 2)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Schroder Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management North America Inc., </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">subadviser; Schroder Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management North America Limited, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">sub-subadviser.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.08%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">24.55%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.02%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">6.12%</div></div> </div></div></td></tr>
<tr style="height:67.75pt">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Partners International </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Growth Fund (Class 2)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; William Blair Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management, LLC and Walter Scott & </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Partners Limited, subadvisers.</div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.08%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">17.50%</div></div> </div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">1.36%</div></div> </div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">5.01%</div></div> </div></div></td></tr></table></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="height:31pt">
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:116.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Investment Objective</div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:205pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Fund and</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Adviser/Sub-Adviser</div></div></div></div></div></td>
<td rowspan="2" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Current </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Expenses </div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Ratio</div></div></div><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">[NET]</div></div></div></div></td>
<td colspan="3" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Average Annual Total Returns</div></div></div><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">(as of 12/31/2025)</div></div></div></td></tr>
<tr style="height:15.75pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">1 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">5 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt"><div style="line-height:10.3000pt;text-align:left"><div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">10 Year</div></div></div></div></td></tr>
<tr style="height:70.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Partners International </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Value Fund (Class 2)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Pzena Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management, LLC and Thompson, Siegel & </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Walmsley LLC, subadvisers.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.05%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">34.84%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 5pt; letter-spacing: 0px; top: 0px;display:inline;">10.14%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">6.97%</div></div> </div></div></td></tr>
<tr style="height:70.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Partners Small Cap </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Growth Fund (Class 2)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Goldman Sachs Asset </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management, L.P. and Segall Bryant & </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Hamill, LLC, subadvisers.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.10%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">7.86%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">0.94%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.72%</div></div> </div></div></td></tr>
<tr style="height:70.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Partners Small Cap Value </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2)</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Segall Bryant & Hamill, LLC </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">and William Blair Investment Management, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, subadvisers.</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.09%</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">2</div></div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">7.07%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">6.60%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.06%</div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - U.S. Flexible Conservative </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Growth Fund (Class 2)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1,3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.96%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">9.22%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">3.53%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14.8pt; letter-spacing: 0px; top: 0px;display:inline;">-</div></div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - U.S. Flexible Growth Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1,3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.93%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">11.07%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">7.36%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14.8pt; letter-spacing: 0px; top: 0px;display:inline;">-</div></div></div> </div></div></td></tr>
<tr style="height:59.75pt">
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:11.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - U.S. Flexible Moderate </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Growth Fund (Class 2)</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">1,3</div></div> <div style="clear:right"> </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">0.94%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 8pt; letter-spacing: 0px; top: 0px;display:inline;">10.10%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">5.46%</div></div> </div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:11.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14.8pt; letter-spacing: 0px; top: 0px;display:inline;">-</div></div></div> </div></div></td></tr>
<tr style="height:56.75pt">
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:116.5pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to maximize total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return.</div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:205pt"><div style="line-height:10.2300pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Western Asset Variable Global High Yield </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Bond Portfolio (Class II)</div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Franklin Templeton Fund Adviser, LLC, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">adviser; Western Asset Management </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Company, LLC, subadviser.</div></div></div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:48pt"><div style="display:flex;margin-left:auto;width:48pt"><div style="display:flex;white-space:nowrap;width:48pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 15.5pt; letter-spacing: 0px; top: 0px;display:inline;">1.06%</div></div> </div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 14pt; letter-spacing: 0px; top: 0px;display:inline;">9.95%</div></div> </div></div></td>
<td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">2.34%</div></div> </div></div></td>
<td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt"><div style="line-height:10.2300pt;margin-right:9pt;text-align:right;width:42pt"><div style="display:flex;margin-left:auto;width:42pt"><div style="display:flex;white-space:nowrap;width:42pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 11pt; letter-spacing: 0px; top: 0px;display:inline;">5.09%</div></div> </div></div></td></tr></table></div><div><div style="clear:both;margin-top:6.50pt;position:relative;width:100%"><div style="float:left;line-height:6pt;margin-left:2pt;text-align:left;width:3.6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">1</div></div><div style="float:left;line-height:8.44pt;margin-left:28.4pt;text-align:left;width:489.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">This Fund is managed in a way that is intended to minimize volatility of returns. See “Principal Risks of Investing in the Contract.”</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; line-height: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:2.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;margin-left:2pt;text-align:left;width:3.6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">2</div></div><div style="float:left;line-height:8.44pt;margin-left:28.4pt;text-align:left;width:489.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">This Fund and its investment adviser and/or affiliates have entered into a temporary expense reimbursement arrangement and/or fee </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">waiver. The Fund’s annual expenses reflect temporary fee reductions. Please see the Fund’s prospectus for additional information.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; line-height: 9pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:2.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;margin-left:2pt;text-align:left;width:3.6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">3</div></div><div style="float:left;line-height:8.44pt;margin-left:28.4pt;text-align:left;width:489.00pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">This Fund is a fund of funds and invests substantially all of its assets in other underlying funds. Because the Fund invests in other funds, it </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">will bear its pro rata portion of the operating expenses of those underlying funds, including management fees.</div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div>
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to maximize total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return consistent with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">AllianceBernstein's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">determination of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">reasonable risk.</div></div>
AB VPS Dynamic Asset Allocation Portfolio(Class B)
AllianceBernstein L.P.
0.011
0.1321
0.0474
0.0525
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term growth </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of capital.</div></div>
AB VPS Large Cap Growth Portfolio (Class B)
0.009
0.1285
0.1176
0.1588
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div>
Allspring VT Opportunity Fund (Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Allspring Funds Management, LLC, adviser; </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Allspring Global Investments, LLC, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">subadviser.</div></div></div>
0.01
0.0671
0.0894
0.1185
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div>
Allspring VT Small Cap Growth Fund(Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Allspring Funds Management, LLC, adviser; </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Allspring Global Investments, LLC, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">subadviser.</div></div></div>
0.0116
0.0925
-0.0096
0.0994
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">The Portfolio seeks </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investment results that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">correspond (before fees </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">and expenses) generally </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">to the price and yield </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">performance of its </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">underlying index, the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Alerian Midstream </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Energy Select Index (the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">"Index").</div></div>
ALPS | Alerian Energy Infrastructure Portfolio(Class III)
ALPS Advisors, Inc.
0.013
0.0466
0.2206
0.107
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks high total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investment return.</div></div>
BlackRock Global Allocation V.I. Fund(Class III)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">BlackRock Advisors, LLC, adviser; BlackRock </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">(Singapore) Limited, subadviser.</div></div></div>
0.0101
0.1942
0.0551
0.0733
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks maximum total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investment return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">through a combination </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of capital growth and </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Balanced Fund </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2) (available for contract applications </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">signed on or after 5/3/2021)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0096
0.1375
0.0845
0.0948
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks maximum total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investment return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">through a combination </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of capital growth and </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Balanced Fund </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 3) (available for contract applications </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">signed prior to 5/3/2021)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0084
0.1391
0.0859
0.0959
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Commodity </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0098
0.153
0.1244
0.0646
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks total return, </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">consisting of long-term </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital appreciation and </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Contrarian Core </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0095
0.1735
0.1389
0.1403
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Cornerstone </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Growth Fund (Class 2) (previously Columbia </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Variable Portfolio - Large Cap Growth Fund </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2))</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0096
0.1585
0.1375
0.1569
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital appreciation.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Disciplined </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Core Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0093
0.1435
0.1387
0.1331
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of current income </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">and, as a secondary </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">objective, steady growth </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of capital.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Dividend </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Opportunity Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.009
0.1556
0.116
0.1015
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Non-diversified fund that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">total return through </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income and, </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">secondarily, through </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital appreciation.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Emerging </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Markets Bond Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0098
0.1265
0.0147
0.0403
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Emerging </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Markets Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0134
0.3087
-0.0137
0.07
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">maximum current </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income consistent with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">liquidity and stability of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">principal.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Government </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Money Market Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0059
0.0371
0.0279
0.0172
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income as its </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">primary objective and, </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">as its secondary </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">objective, capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">growth.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - High Yield Bond </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0089
0.0849
0.0393
0.0551
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">total return through </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income and </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital appreciation.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Income </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Opportunities Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0089
0.0843
0.036
0.0517
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of current income </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while attempting to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">conserve the value of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the investment for the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">longest period of time.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Intermediate </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Bond Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0078
0.0884
-0.0068
0.0252
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Large Cap Index </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2) (available for contract </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">applications signed on or after 5/3/2021)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.005
0.1725
0.1384
0.1421
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Large Cap Index </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 3) (available for contract </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">applications signed prior to 5/3/2021)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0038
0.1743
0.1398
0.1435
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks total return, </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">consisting of current </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income and capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Long </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Government/Credit Bond Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0072
0.0598
-0.0548
0.0131
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital appreciation.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Overseas Core </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0105
0.3796
0.0892
0.0755
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">total return through </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income and growth of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Select </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Corporate Income Fund (Class 2) (previously </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Corporate Bond </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2))</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0072
0.0755
0.012
0.0194
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term growth of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Select Large </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap Value Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0094
0.2797
0.1332
0.123
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">growth of capital.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Select Mid Cap </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Growth Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0108
0.1486
0.0726
0.1189
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term growth of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Select Mid Cap </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Value Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0108
0.1387
0.109
0.1017
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with a </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of current income </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">consistent with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">preservation of capital.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Select Short </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Corporate Income Fund (Class 2) (previously </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Limited </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Duration Credit Fund (Class 2))</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0066
0.06
0.019
0.0294
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Select Small </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Cap Value Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.011
0.063
0.0866
0.0797
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks total return, </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">consisting of current </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income and capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - Strategic </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Income Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0095
0.0688
0.0187
0.0399
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income as its </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">primary objective and, </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">as its secondary </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">objective, preservation </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of capital.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Columbia Variable Portfolio - </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Government Mortgage Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.007
0.0883
-0.0032
0.0165
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Non-diversified fund that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return that exceeds the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">rate of inflation over the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long term.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - BlackRock Global Inflation-Linked </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Securities Fund (Class 2) (previously CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">- BlackRock Global Inflation-Protected </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Securities Fund (Class 2))</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; BlackRock Financial </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management, Inc., subadviser; BlackRock </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">International Limited, sub-subadviser.</div></div></div>
0.0087
0.0384
-0.0174
0.0171
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income and </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital appreciation.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - CenterSquare Real Estate Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; CenterSquare Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management LLC, subadviser.</div></div></div>
0.0109
0.0211
0.0636
0.0544
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of current income.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - Fidelity Institutional AM</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> Total Bond </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2) (previously CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - American </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Century Diversified Bond Fund (Class 2))</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; FIAM LLC, subadviser; FMR </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Investment Management (UK) Limited, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">sub-subadviser.</div></div></div>
0.0074
0.0724
-0.0057
0.0208
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - Principal Large Cap Growth Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Principal Global Investors, LLC, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">subadviser.</div></div></div>
0.0095
0.1349
0.102
0.1438
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term growth of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital and income.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - T. Rowe Price Large Cap Value Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; T. Rowe Price Associates, Inc., </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">subadviser.</div></div></div>
0.0094
0.1212
0.1015
0.0964
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return through current </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income and capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - TCW Total Return Bond Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2) (previously CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - TCW Core Plus </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Bond Fund (Class 2))</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; TCW Investment Management </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Company LLC, subadviser.</div></div></div>
0.0075
0.0731
-0.0078
0.0179
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term growth of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - Victory Sycamore Established Value </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Victory Capital Management </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Inc., subadviser.</div></div></div>
0.0107
0.02
0.0937
0.1043
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - Wellington Large Cap Value Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Wellington Management </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Company LLP, subadviser.</div></div></div>
0.0086
0.1961
0.1097
0.1043
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - Westfield Mid Cap Growth Fund </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class 2)</div></div>
0.0108
0.1012
0.0689
0.119
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">CTIVP</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> - Westfield Select Large Cap Growth </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund (Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Westfield Capital Management </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Company, L.P., subadviser.</div></div></div>
0.0094
0.1698
0.0178
0.1302
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div>
DWS Alternative Asset Allocation VIP(Class B)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">DWS Investment Management Americas </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Inc., adviser; RREEF America L.L.C., </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">subadviser.</div></div></div>
0.0131
0.1003
0.0488
0.0452
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fidelity</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> VIP Contrafund</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> Portfolio (Service </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Fidelity Management & Research Company, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">adviser; Fidelity Management & Research </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Company (UK) Limited, Fidelity </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management & Research Company (Hong </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Kong) Limited, Fidelity Management & </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Research Company (Japan) Limited, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">subadvisers.</div></div></div>
0.0079
0.2124
0.1508
0.1549
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term growth </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of capital.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fidelity</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> VIP Mid Cap Portfolio (Service </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Fidelity Management & Research Company, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">adviser; Fidelity Management & Research </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Company (UK) Limited, Fidelity </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management & Research Company (Hong </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Kong) Limited, Fidelity Management & </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Research Company (Japan) Limited, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">subadvisers.</div></div></div>
0.008
0.1149
0.0983
0.1031
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks a high level of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">current income and may </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">also seek capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fidelity</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> VIP Strategic Income Portfolio </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Service Class 2)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Fidelity Management & Research Company, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">adviser; Fidelity Management & Research </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Company (UK) Limited, Fidelity </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management & Research Company (Hong </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Kong) Limited, Fidelity Management & </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Research Company (Japan) Limited, FIL </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Investment Advisers, FIL Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Advisers (UK) Limited and FIL Investments </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">(Japan) Limited, subadvisers.</div></div></div>
0.0088
0.0858
0.0279
0.044
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to maximize </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income while </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">maintaining prospects </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">for capital appreciation. </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Under normal market </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">conditions, the fund </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">invests in a diversified </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">portfolio of equity and </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">debt securities.</div></div>
Franklin Income VIP Fund (Class 2)
Franklin Advisers, Inc.
0.0072
0.1256
0.0766
0.073
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation, with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income as a secondary </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">goal. Under normal </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market conditions, the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">fund invests primarily in </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. and foreign equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">securities that the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investment manager </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">believes are </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">undervalued.</div></div>
Franklin Mutual Shares VIP Fund (Class 2)
Franklin Mutual Advisers, LLC
0.0094
0.1152
0.092
0.0753
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return. Under normal </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market conditions, the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">fund invests at least </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">80% of its net assets in </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investments of small </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capitalization </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">companies.</div></div>
Franklin Small Cap Value VIP Fund (Class 2)
Franklin Mutual Advisers, LLC
0.0091
0.0765
0.0886
0.0981
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks total return with a </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">low to moderate </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">correlation to traditional </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">financial market indices.</div></div>
Invesco V.I. Balanced-Risk Allocation Fund(Series II Shares)
Invesco Advisers, Inc.
0.0113
0.0869
0.0227
0.0491
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div>
Invesco V.I. Global Fund (Series II Shares)
Invesco Advisers, Inc.
0.0106
0.1505
0.0701
0.1072
Seeks total return
Invesco V.I. Global Strategic Income Fund(Series II Shares)
Invesco Advisers, Inc.
0.012
0.1275
0.0139
0.0276
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Invesco V.I. Main Street Small Cap Fund</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div>(Series II Shares)
Invesco Advisers, Inc.
0.0109
0.0844
0.0807
0.1031
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">growth, consistent with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">preservation of capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">and balanced by current </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income.</div></div>
Janus Henderson Balanced Portfolio(Service Shares)
Janus Henderson Investors US LLC
0.0087
0.1484
0.0821
0.0986
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to obtain </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">maximum total return, </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">consistent with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">preservation of capital.</div></div>
Janus Henderson Flexible Bond Portfolio(Service Shares)
Janus Henderson Investors US LLC
0.0082
0.0722
-0.0047
0.0207
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Non-diversified fund that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">pursues its investment </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">objective by investing </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">primarily in common </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">stocks selected for their </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">growth potential.</div></div>
Janus Henderson Research Portfolio(Service Shares)
Janus Henderson Investors US LLC
0.0107
0.181
0.1383
0.1559
Seeks total return.
Lazard Retirement Global DynamicMulti-Asset Portfolio (Service Shares)
Lazard Asset Management, LLC
0.0105
0.1572
0.0519
0.0593
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">growth. Income is a </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">secondary objective.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">LVIP American Century Value Fund (Service </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Class)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Lincoln Financial Investments Corporation, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">adviser; American Century Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management, Inc., subadviser.</div></div></div>
0.0086
0.1585
0.1147
0.1007
Seeks total return.
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">MFS</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 6.5pt; margin-left: 0pt; position: relative; top: -4.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> Utilities Series (Service Class)</div>
Massachusetts Financial Services Company
0.0103
0.1476
0.0738
0.0922
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">The Fund seeks </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">by investing primarily in </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">common stocks and </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">other equity securities.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Morgan Stanley VIF Discovery Portfolio </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class II Shares)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Morgan Stanley Investment Management </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Inc.</div></div></div>
0.0105
0.1244
-0.0546
0.1404
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term growth </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of capital by investing </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">primarily in securities of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">companies that meet </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">environmental, social </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">and governance (ESG) </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">criteria.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Neuberger Berman AMT Quality Equity </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio (Class S) (previously Neuberger </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Berman AMT Sustainable Equity Portfolio </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">(Class S))</div></div>
Neuberger Berman Investment Advisers LLC
0.0112
0.1341
0.1254
0.1266
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Nomura VIP Asset Strategy Series (Service </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Class) (previously Macquarie VIP Asset </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Strategy Series (Service Class))</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Delaware Management Company, adviser; </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Macquarie Investment Management Global </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Limited, subadviser.</div></div></div>
0.0077
0.1666
0.0707
0.0784
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks maximum real </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return, consistent with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">preservation of real </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital and prudent </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investment </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">management.</div></div>
PIMCO VIT All Asset Portfolio (AdvisorClass)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Pacific Investment Management Company </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC (PIMCO)</div></div></div>
0.0223
0.1419
0.0549
0.0667
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks total return which </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exceeds that of a blend </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">of 60% MSCI World </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Index/40% Barclays </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">U.S. Aggregate Index.</div></div>
PIMCO VIT Global Managed Asset AllocationPortfolio (Advisor Class)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Pacific Investment Management Company </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC (PIMCO)</div></div></div>
0.0131
0.2177
0.0694
0.0788
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks maximum total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return, consistent with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">preservation of capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">and prudent investment </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">management.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">PIMCO VIT Total Return Portfolio (Advisor </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Class)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Pacific Investment Management Company </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC (PIMCO)</div></div></div>
0.0083
0.0878
-0.0008
0.0226
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks high current </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income, consistent with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">preservation of capital, </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">with capital appreciation </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">as a secondary </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">consideration. Under </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">normal market </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">conditions, the fund </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">invests at least 80% of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">its net assets in debt </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">securities of any </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">maturity.</div></div>
Templeton Global Bond VIP Fund (Class 2)
Franklin Advisers, Inc.
0.0075
0.1573
-0.0096
-0.0015
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation by </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">investing in common </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">stocks of gold-mining </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">companies. The Fund </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">may take current </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">income into </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">consideration when </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">choosing investments.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">VanEck VIP Global Gold Fund (Class S </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Shares)</div></div>
Van Eck Associates Corporation
0.0145
1.6443
0.20
0.2089
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of total return that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">is consistent with an </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">aggressive level of risk.</div></div>
Variable Portfolio - Aggressive Portfolio(Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0104
0.1763
0.0813
0.0906
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of total return that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">is consistent with a </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">conservative level of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">risk.</div></div>
Variable Portfolio - Conservative Portfolio(Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0089
0.1021
0.0162
0.0353
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div>
Variable Portfolio - Managed Risk Fund(Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0102
0.1215
0.0473
0
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div>
Variable Portfolio - Managed Risk U.S. Fund(Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0099
0.0959
0.0564
0
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div>
Variable Portfolio - Managed VolatilityConservative Fund (Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0095
0.0917
0.0115
0.0333
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div>
Variable Portfolio - Managed VolatilityConservative Growth Fund (Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0097
0.1102
0.0266
0.0453
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div>
Variable Portfolio - Managed Volatility GrowthFund (Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0101
0.1475
0.0583
0.0695
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund’s </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div>
Variable Portfolio - Managed VolatilityModerate Growth Fund (Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0098
0.1287
0.0429
0.0582
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of total return that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">is consistent with a </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">moderate level of risk.</div></div>
Variable Portfolio - Moderate Portfolio(Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0096
0.1386
0.0491
0.0642
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of total return that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">is consistent with a </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">moderately aggressive </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of risk.</div></div>
Variable Portfolio - Moderately AggressivePortfolio (Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.01
0.1571
0.0644
0.0771
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of total return that </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">is consistent with a </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">moderately conservative </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of risk.</div></div>
Variable Portfolio - Moderately ConservativePortfolio (Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0094
0.121
0.0318
0.0492
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with a high </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">level of current income </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while conserving the </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">value of the investment </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">for the longest period of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">time.</div></div>
Variable Portfolio - Partners Core Bond Fund(Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; J.P. Morgan Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management Inc. and Allspring Global </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Investments, LLC, subadvisers.</div></div></div>
0.0073
0.0728
-0.0023
0.0199
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div>
Variable Portfolio - Partners Core Equity Fund(Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; J.P. Morgan Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management Inc. and T. Rowe Price </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Associates, Inc., subadvisers.</div></div></div>
0.0093
0.1314
0.1304
0.1263
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term growth of </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">capital.</div></div>
Variable Portfolio - Partners InternationalCore Equity Fund (Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Schroder Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management North America Inc., </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">subadviser; Schroder Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management North America Limited, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">sub-subadviser.</div></div></div>
0.0108
0.2455
0.0702
0.0612
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div>
Variable Portfolio - Partners InternationalGrowth Fund (Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; William Blair Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management, LLC and Walter Scott & </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Partners Limited, subadvisers.</div></div></div>
0.0108
0.175
0.0136
0.0501
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div>
Variable Portfolio - Partners InternationalValue Fund (Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Pzena Investment </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management, LLC and Thompson, Siegel & </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Walmsley LLC, subadvisers.</div></div></div>
0.0105
0.3484
0.1014
0.0697
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital growth.</div></div>
Variable Portfolio - Partners Small CapGrowth Fund (Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Goldman Sachs Asset </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Management, L.P. and Segall Bryant & </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Hamill, LLC, subadvisers.</div></div></div>
0.011
0.0786
0.0094
0.0772
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to provide </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">shareholders with </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">long-term capital </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">appreciation.</div></div>
Variable Portfolio - Partners Small Cap ValueFund (Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, adviser; Segall Bryant & Hamill, LLC </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">and William Blair Investment Management, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC, subadvisers.</div></div></div>
0.0109
0.0707
0.066
0.0706
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div>
Variable Portfolio - U.S. Flexible ConservativeGrowth Fund (Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0096
0.0922
0.0353
0
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div>
Variable Portfolio - U.S. Flexible Growth Fund(Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0093
0.1107
0.0736
0
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Pursues total return </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">while seeking to </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">manage the Fund's </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">exposure to equity </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">market volatility.</div></div>
Variable Portfolio - U.S. Flexible ModerateGrowth Fund (Class 2)
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Columbia Management Investment Advisers, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">LLC</div></div></div>
0.0094
0.101
0.0546
0
<div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seeks to maximize total </div></div><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">return.</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Western Asset Variable Global High Yield </div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Bond Portfolio (Class II)</div></div>
<div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Franklin Templeton Fund Adviser, LLC, </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">adviser; Western Asset Management </div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; font-style: normal; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-style:italic;display:inline;">Company, LLC, subadviser.</div></div></div>
0.0106
0.0995
0.0234
0.0509
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">This Fund and its investment adviser and/or affiliates have entered into a temporary expense reimbursement arrangement and/or fee </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">waiver. The Fund’s annual expenses reflect temporary fee reductions. Please see the Fund’s prospectus for additional information.</div>
<div style="line-height:10.2300pt;margin-top:0.00pt;text-align:left"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The following is a list of investment options that earn fixed interest for a specified term currently available under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> and certificate. We may change the features of the fixed interest options listed below and terminate existing </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">options. We will provide you with written notice before doing so.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">See “The ‘Nonunitized’ Separate Account and the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Guarantee Period Accounts (GPAs)” and “The </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Fixed Account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">” in the prospectus for more information about the fixed </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">interest investment options.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Note: A positive or negative MVA is assessed if any portion of a GPA is surrendered or transferred more than thirty </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">days before the end of its guarantee period. This may result in a significant reduction in your </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">certificate </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">account</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">value. </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">See “Charges and Adjustments – Adjustments – Market Value Adjustments” in the prospectus for more </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">information about the MVA.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></div><div style="line-height:0.00pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="border-left:0.1pt hidden;border-right:0.1pt hidden;border-top:0.1pt hidden;height:25.25pt">
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:432.85pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Name</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:39.01pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Term</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Guaranteed</div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum</div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Interest Rate</div></div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:432.85pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1 Year Guarantee Period Account</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:39.01pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:432.85pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2 Year Guarantee Period Account</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:39.01pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2 Years</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:432.85pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">3 Year Guarantee Period Account</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:39.01pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">3 Years</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:432.85pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">4 Year Guarantee Period Account</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:39.01pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">4 Years</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:432.85pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5 Year Guarantee Period Account</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:39.01pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">5 Years</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:432.85pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">6 Year Guarantee Period Account</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:39.01pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">6 Years</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:432.85pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">7 Year Guarantee Period Account</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:39.01pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">7 Years</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:432.85pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">8 Year Guarantee Period Account</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:39.01pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">8 Years</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:432.85pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">9 Year Guarantee Period Account</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:39.01pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">9 Years</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0%</div></div></div></td></tr>
<tr style="height:9.75pt">
<td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:432.85pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">10 Year Guarantee Period Account</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:39.01pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">10 Years</div></div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">0%</div></div></div></td></tr></table></div><div style="line-height:10.2300pt;margin-top:6pt;text-align:left"><div style="margin-top: 6pt; font-size: 9.3pt; background: none;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:12.00pt;text-align:left"><div style="margin-top:12pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The following is a list of Fixed Options currently available under the Contract. We may change the features of the Fixed </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Options listed below or terminate existing Fixed Options. We will provide you with written notice before doing so.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:10.2300pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Note: If amounts are withdrawn from a Fixed Option before the end of its term, we will not apply a contract </div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">adjustment.</div></div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:0.00pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="border-left:0.1pt hidden;border-right:0.1pt hidden;border-top:0.1pt hidden;height:25.25pt">
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:384.07pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Name</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:41.43pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Term</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Certificate</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Issue</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Year</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Guaranteed</div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum</div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Interest Rate</div></div></div></div></td></tr>
<tr style="height:13.25pt">
<td rowspan="15" style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:384.07pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Loan Account</div></div></div></div></td>
<td rowspan="15" style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:41.43pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2012</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2013</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2014</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2015</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2016</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2017</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2018</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2019</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.75%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2020</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2021</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2022</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2023</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2.95%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2024</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">3.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2025</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2.65%</div></div></div></td></tr>
<tr style="height:9.75pt">
<td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2026</div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2.40%</div></div></div></td></tr></table></div>
<table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:528pt">
<tr style="border-left:0.1pt hidden;border-right:0.1pt hidden;border-top:0.1pt hidden;height:25.25pt">
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:384.07pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Name</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:41.43pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Term</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Certificate</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Issue</div></div></div><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Year</div></div></div></div></td>
<td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Guaranteed</div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Minimum</div></div></div><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="display:inline;font-weight:bolder;display:inline;">Interest Rate</div></div></div></div></td></tr>
<tr style="height:13.25pt">
<td rowspan="15" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:384.07pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Special DCA Fixed Account</div></div></div></div></td>
<td rowspan="15" style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:41.43pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; letter-spacing: 0px; top: 0px;display:inline;">6 Months</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2012</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2013</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2014</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2015</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2016</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2017</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2018</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2019</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.75%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2020</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2021</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2022</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2023</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2.95%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2024</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">3.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2025</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2.65%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2026</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2.40%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td rowspan="15" style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:384.07pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:4pt;margin-right:3.75pt;text-align:Left;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Special DCA Fixed Account</div></div></div></div></td>
<td rowspan="15" style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:41.43pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="display:inline;"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1 Year</div></div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2012</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2013</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2014</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2015</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2016</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2017</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2018</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2019</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.75%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2020</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2021</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2022</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">1.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2023</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2.95%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2024</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">3.00%</div></div></div></td></tr>
<tr style="height:13.25pt">
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2025</div></div></div></td>
<td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:8.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2.65%</div></div></div></td></tr>
<tr style="height:9.75pt">
<td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:46.36pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2026</div></div></div></td>
<td style="background-color:#E5E5E5;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:56.14pt"><div style="line-height:7.4400pt;text-align:left"><div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 7.44pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">2.40%</div></div></div></td></tr></table>
<div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">The following is a list of investment options that earn fixed interest for a specified term currently available under the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">contract</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;"> and certificate. We may change the features of the fixed interest options listed below and terminate existing </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">options. We will provide you with written notice before doing so.</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; line-height: 10.23pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">See “The ‘Nonunitized’ Separate Account and the </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Guarantee Period Accounts (GPAs)” and “The </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">Fixed Account</div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">” in the prospectus for more information about the fixed </div><div style="color: rgb(0, 0, 0); font-family: Arial; font-size: 9.3pt; letter-spacing: 0px; top: 0px;display:inline;">interest investment options.</div>
1 Year Guarantee Period Account
P1Y
0
2 Year Guarantee Period Account
P2Y
0
3 Year Guarantee Period Account
P3Y
0
4 Year Guarantee Period Account
P4Y
0
5 Year Guarantee Period Account
P5Y
0
6 Year Guarantee Period Account
P6Y
0
7 Year Guarantee Period Account
P7Y
0
8 Year Guarantee Period Account
P8Y
0
9 Year Guarantee Period Account
P9Y
0
10 Year Guarantee Period Account
P10Y
0
Loan Account
P1Y
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.0175
0.01
0.01
0.01
0.0295
0.03
0.0265
0.024
Special DCA Fixed Account
P6M
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.0175
0.01
0.01
0.01
0.0295
0.03
0.0265
0.024
Special DCA Fixed Account
P1Y
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.0175
0.01
0.01
0.01
0.0295
0.03
0.0265
0.024
<div style="line-height:11.02pt;margin-top:6pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 10.02pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Item 31A. Information about Contracts with Indexed-Linked Options and Fixed Options Subject to a Contract Adjustment</div></div></div></div><div style="line-height:11.02pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 10.02pt; letter-spacing: 0px; top: 0px;display:inline;">(a)</div><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 10.02pt; line-height: 11.02pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 1pt; line-height: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:0.00pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt">
<table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:552pt">
<tr style="height:60pt">
<td style="background-color:#FFFFFF;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:126.8pt"><div style="line-height:9.50pt;text-align:left"><div style="margin-right:6pt;text-align:Left;white-space:nowrap"><div style="border-bottom: 0.5pt groove rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Name of the Contract</div></div><div style="border-bottom: 0.5pt groove rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; line-height: 8.5pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div></td>
<td style="background-color:#FFFFFF;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:136.78pt"><div style="line-height:9.50pt;text-align:left"><div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap"><div style="border-bottom: 0.5pt groove rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Number of Contracts Outstanding</div></div></div></div></td>
<td style="background-color:#FFFFFF;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:59.68pt"><div style="line-height:9.50pt;text-align:left"><div style="border-bottom:0.5pt solid #000000;margin-left:10.05%;margin-right:10.05%;padding-bottom:1pt"><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Total Value</div></div></div><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Attributable</div></div></div><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">to the Index</div></div></div><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">and/or Fixed</div></div></div><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Option</div></div></div><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Subject to an</div></div></div><div style="text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Adjustment</div></div></div></div></div></td>
<td style="background-color:#FFFFFF;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:56.16pt"><div style="line-height:9.50pt;text-align:left"><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Number of</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contracts</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Sold During</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">the Prior</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Calendar</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="border-bottom: 0.5pt groove rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Year</div></div></div></div></td>
<td style="background-color:#FFFFFF;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:51.42pt"><div style="line-height:9.50pt;text-align:left"><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Gross</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Premiums</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Received</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">During the</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Prior</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Calendar</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="border-bottom: 0.5pt groove rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Year</div></div></div></div></td>
<td style="background-color:#FFFFFF;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:67.47pt"><div style="line-height:9.50pt;text-align:left"><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Amount of</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Value</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Redeemed</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">During the</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Prior Calendar</div></div></div><div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap"><div style="border-bottom: 0.5pt groove rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Year</div></div></div></div></td>
<td style="background-color:#FFFFFF;padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:53.69pt"><div style="line-height:9.50pt;text-align:left"><div style="margin-left:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Combination</div></div></div><div style="margin-left:6pt;text-align:Center;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Contract</div></div></div><div style="margin-left:6pt;text-align:Center;white-space:nowrap"><div style="border-bottom: 0.5pt groove rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 8.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">(Yes/No)</div></div></div></div></td></tr>
<tr style="height:22.02pt">
<td style="background-color:azure;padding-bottom:2.5pt;padding-top:1.75pt;vertical-align:Top;width:126.8pt"><div style="line-height:11.02pt;text-align:left"><div style="margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 10.02pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">RiverSource Guarantee </div></div><div style="margin-right:6pt;text-align:Left;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 10.02pt; margin-left: 10pt; letter-spacing: 0px; top: 0px;display:inline;">Period Account</div></div></div></td>
<td style="background-color:azure;padding-bottom:2.5pt;padding-top:1.75pt;vertical-align:Top;white-space:nowrap;width:136.78pt"><div style="line-height:11.02pt;margin-left:6pt;margin-right:6pt;text-align:right;width:124.78pt"><div style="display:flex;margin:auto;width:17.03pt"><div style="display:flex;white-space:nowrap;width:17.03pt"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 10.02pt; width: 17.03pt; letter-spacing: 0px; top: 0px;display:inline;">600</div></div></div></div></td>
<td style="background-color:azure;padding-bottom:2.5pt;padding-top:1.75pt;vertical-align:Top;width:59.68pt"><div style="line-height:11.02pt;text-align:left"><div style="margin-left:6pt;margin-right:6pt;text-align:Right;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 10.02pt; letter-spacing: 0px; top: 0px;display:inline;">21,290,150</div></div></div></td>
<td style="background-color:azure;padding-bottom:2.5pt;padding-top:1.75pt;vertical-align:Top;width:56.16pt"><div style="line-height:11.02pt;text-align:left"><div style="margin-left:6pt;margin-right:6pt;text-align:Right;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 10.02pt; letter-spacing: 0px; top: 0px;display:inline;">0</div></div></div></td>
<td style="background-color:azure;padding-bottom:2.5pt;padding-top:1.75pt;vertical-align:Top;width:51.42pt"><div style="line-height:11.02pt;text-align:left"><div style="margin-left:6pt;margin-right:6pt;text-align:Right;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 10.02pt; letter-spacing: 0px; top: 0px;display:inline;">32,188</div></div></div></td>
<td style="background-color:azure;padding-bottom:2.5pt;padding-top:1.75pt;vertical-align:Top;width:67.47pt"><div style="line-height:11.02pt;text-align:left"><div style="margin-left:6pt;margin-right:6pt;text-align:Right;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 10.02pt; letter-spacing: 0px; top: 0px;display:inline;">792,440</div></div></div></td>
<td style="background-color:azure;padding-bottom:2.5pt;padding-top:1.75pt;vertical-align:Top;width:53.69pt"><div style="line-height:11.02pt;text-align:left"><div style="margin-left:6pt;text-align:Right;white-space:nowrap"><div style="color: rgb(0, 0, 0); font-family: "Times New Roman"; font-size: 10.02pt; letter-spacing: 0px; top: 0px;display:inline;">Yes</div></div></div></td></tr></table></div>
RiverSource Guarantee Period Account
600
21290150
0
32188
792440
true
This Fund and its investment adviser and/or affiliates have entered into a temporary expense reimbursement arrangement and/or fee waiver. The Fund’s annual expenses reflect temporary fee reductions. Please see the Fund’s prospectus for additional information.
This Fund is managed in a way that is intended to minimize volatility of returns. See “Principal Risks of Investing in the Contract.
This Fund is a fund of funds and invests substantially all of its assets in other underlying funds. Because the Fund invests in other funds, it will bear its pro rata portion of the operating expenses of those underlying funds, including management fees.
As a percentage of average daily certificate account value in the variable account. Includes the Mortality and Expense Fee and contract administrative charge.
As a percentage of Fund net assets.
The following transactions when applied to a GPA, which we refer to as “early surrenders,” are subject to an MVA when they occur more than 30 days prior to the end of the guarantee period, unless an exception applies: (i) surrenders (including full and partial surrenders, systematic withdrawals, and required minimum distributions), (ii) transfers, and (iii) annuitization. We will not apply a negative MVA to the payment of the death benefit. An MVA may increase the death benefit but will not decrease it.