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#000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Fees, Expenses, and Adjustments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Location in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Statutory</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Prospectus</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:45.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Charges or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals?</span></div></div></td> <td colspan="4" style="border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:317pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> The Contract currently does not include any charges for withdrawals or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">surrenders from the Contract.</span></div></div></td> <td style="padding-bottom:2pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Contract - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Deductions and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Surrender Charges </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:37.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Aside from the charges for early withdrawals described above and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">potential premium taxes, there are no charges for Contract Owner </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transactions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Contract - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transactions</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:48pt;"> <td rowspan="10" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Ongoing </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fees and Expenses?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> The table below describes the fees and expenses that You may pay </span><span style="font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">year</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, depending on the options You choose. Please refer to Your</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract data </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">page for information about the specific fees You will pay each year based on </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the options You have elected.</span></div></div></td> <td rowspan="10" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Contract - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Deductions and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mortality and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expense Risk Fee </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(“M&amp;E Fee”)</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Contract - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Deductions and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses - Annual </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Maintenance Fee</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Additional </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Information About </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fees - Annual </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:103pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Fee</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:106pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:103pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Contract</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:106pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1.28</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1.28</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:103pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Options </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fees and Expenses)</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:106pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.04%</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> as a percentage </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">assets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1.34%</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> as a percentage </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">assets</span></div></div></td></tr> <tr style="height:59pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:103pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Benefits </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Available for an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Additional Charge (For </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a Single Optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Benefit, if Elected)</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:106pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> optional benefits are </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> optional benefits are </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available.</span></div></div></td></tr> <tr style="height:70pt;"> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Because Your</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract is customizable, the choices You make affect how much </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You will pay. To help You understand the cost of owning Your Contract, the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">following table shows the lowest and highest cost You could pay </span><span style="font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">based on current charges. This estimate assumes that You do not take </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals from the Contract, </span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which could add surrender charges that </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">substantially increase costs</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">LOWEST ANNUAL COST:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:161pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">HIGHEST ANNUAL COST:</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$1,341</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:161pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$2,638</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:161pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div></td></tr> <tr style="height:118pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Least expensive combination of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Portfolio Company fees and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No additional purchase payments, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">transfers or withdrawals</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:161pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Most expensive combination of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Portfolio Company fees and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">expenses and optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No additional purchase payments, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">transfers or withdrawals</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:45.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Charges or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals?</span></div></div></td> <td colspan="4" style="border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:317pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> The Contract currently does not include any charges for withdrawals or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">surrenders from the Contract.</span></div></div></td> <td style="padding-bottom:2pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Contract - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Deductions and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Surrender Charges </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:37.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Aside from the charges for early withdrawals described above and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">potential premium taxes, there are no charges for Contract Owner </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transactions.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Contract - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transactions</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:48pt;"> <td rowspan="10" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Ongoing </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fees and Expenses?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> The table below describes the fees and expenses that You may pay </span><span style="font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">year</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, depending on the options You choose. Please refer to Your</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract data </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">page for information about the specific fees You will pay each year based on </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the options You have elected.</span></div></div></td> <td rowspan="10" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Contract - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Deductions and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mortality and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expense Risk Fee </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(“M&amp;E Fee”)</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Contract - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Deductions and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses - Annual </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Maintenance Fee</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Additional </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Information About </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fees - Annual </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:103pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Fee</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:106pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:103pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Contract</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:106pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1.28</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1.28</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:103pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Options </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fees and Expenses)</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:106pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.04%</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> as a percentage </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">assets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1.34%</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> as a percentage </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">assets</span></div></div></td></tr> <tr style="height:59pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:103pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Benefits </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Available for an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Additional Charge (For </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a Single Optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Benefit, if Elected)</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:106pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> optional benefits are </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> optional benefits are </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available.</span></div></div></td></tr> <tr style="height:70pt;"> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Because Your</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract is customizable, the choices You make affect how much </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You will pay. To help You understand the cost of owning Your Contract, the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">following table shows the lowest and highest cost You could pay </span><span style="font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">based on current charges. This estimate assumes that You do not take </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals from the Contract, </span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which could add surrender charges that </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">substantially increase costs</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">LOWEST ANNUAL COST:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:161pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">HIGHEST ANNUAL COST:</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$1,341</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:161pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$2,638</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:161pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div></td></tr> <tr style="height:118pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Least expensive combination of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Portfolio Company fees and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No additional purchase payments, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">transfers or withdrawals</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:161pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Most expensive combination of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Portfolio Company fees and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">expenses and optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No additional purchase payments, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">transfers or withdrawals</span></div></div></td></tr></table> 0.0128 0.0128 0.0004 0.0134 0 0 1341 2638 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;"> </span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Risks</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:48pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is There a Risk of Loss </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">from Poor </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in this Contract, including loss of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">principal.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investing in the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract – Risk of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loss</span></div></div></td></tr> <tr style="height:56.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is this a Short-Term </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment?</span></div></div></td> <td colspan="4" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> This Contract is not designed for short-term investing and is not </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">appropriate for an investor who needs ready access to cash.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The benefits of tax deferral also mean the Contract is more beneficial to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investors with a long-time horizon.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investing in the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract – Not a </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Short-term </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:93.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">What Are the Risks </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Associated with the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment Options</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in this Contract is subject to the risk of poor investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance and can vary depending on the performance of the Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options available under the Contract (e.g., Portfolio Companies).</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Each Investment Option (including any fixed account Investment Option) </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">will have its own unique risks.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You should review these Investment Options before making an investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">decision.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Location in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Statutory</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Prospectus</span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">Principal </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">Risks of Investing </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">in the Contract – </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">Risks Associated </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">with Investment </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">Options</span></div></div></td></tr> <tr style="height:81pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">What Are the Risks </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Related to the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance Company?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to Horace Mann </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Life Insurance Company (HMLIC). Any obligations (including under any </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">fixed account Investment Options), guarantees, or benefits are subject to the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">claims-paying ability of HMLIC. More information about HMLIC, including </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">its financial strength ratings, is available upon request from HMLIC, and may </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be obtained by calling 1-800-999-1030 or visiting http://</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">www.horacemann.com/why-us/a-history-of-financial-strength.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investing in the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract – </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Insurance </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company Risks</span></div></div></td></tr></table> <span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in this Contract, including loss of </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">principal.</span> <span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> This Contract is not designed for short-term investing and is not </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">appropriate for an investor who needs ready access to cash.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The benefits of tax deferral also mean the Contract is more beneficial to </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investors with a long-time horizon.</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in this Contract is subject to the risk of poor investment </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance and can vary depending on the performance of the Investment </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options available under the Contract (e.g., Portfolio Companies).</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Each Investment Option (including any fixed account Investment Option) </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">will have its own unique risks.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You should review these Investment Options before making an investment </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">decision.</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to Horace Mann </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Life Insurance Company (HMLIC). Any obligations (including under any </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">fixed account Investment Options), guarantees, or benefits are subject to the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">claims-paying ability of HMLIC. More information about HMLIC, including </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">its financial strength ratings, is available upon request from HMLIC, and may </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be obtained by calling 1-800-999-1030 or visiting http://</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">www.horacemann.com/why-us/a-history-of-financial-strength.</span> <span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">HMLIC reserves the right to remove or substitute Underlying Funds as </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Options that are available under the Contract.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">At any time before the Contract’s</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Annuity Date, You may transfer amounts </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from one Subaccount to another, and to and from the fixed account of the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract, subject to certain restrictions.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">We reserve the right to restrict or terminate the transfer privilege for any </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specific Contract Owner if, in Our judgment, the Contract Owner is using the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract for the purposes of market timing or for any other purpose that We, </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in Our sole discretion determine to be potentially detrimental to other </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">shareholders of an Underlying Fund.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If HMLIC determines that You are engaging in a pattern of transfers that </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reflects a market timing strategy or is potentially harmful to other Contract </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Owners, it will notify You in writing of any restrictions.</span> <span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> optional benefits are available.</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investor should consult with a tax professional to determine the tax </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">implications of an investment in and purchase payments received under the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract. There is no additional tax benefit to the investor when the Contract </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">is purchased through a tax-qualified plan or individual retirement account </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(IRA). Withdrawals will be subject to ordinary income tax and may be subject </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to tax penalties.</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Some investment professionals may receive compensation for selling a contract </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to investors. This compensation is typically paid in the form of commissions, </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">but the sale of the Contract may also count toward the investment </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">professional’s qualification for receipt of cash and non-cash compensation </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">related to sales incentives or contests. These investment professionals may have </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a financial incentive to offer or recommend the Contract over another </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment.</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Some investment professionals may have a financial incentive to offer an </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investor a new contract in place of the one he or she already owns. That </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investor should only exchange his or her existing Contract if he or she </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">determines, after comparing the features, fees, and risks of both contracts, that </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">it is preferable for him or her to purchase the new Contract rather than </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">continue to own the existing contract.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Fees</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:2pt;margin-left:0%;margin-top:1.0pt;position:relative;text-align:left;top:-2pt;width:510pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">The following tables describe the fees and expenses that </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You will pay when buying, owning, and surrendering or making </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">withdrawals from the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Contract. Please refer to Your</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Contract data page for information about the specific fees You will pay each year based on the options You have elected. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">The first table describes the fees and expenses that </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You will pay at the time that You buy the Contract, surrender or make </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">withdrawals from the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Contract, or transfer Account Value between Investment Options. State premium taxes may also be deducted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Transaction Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:438.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Sales Load Imposed on Purchases (as a percentage of purchase payments)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:29.6pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:21.6pt;"> <div style="display:flex;margin:auto;width:23.6pt;"> <div style="display:flex;white-space:nowrap;width:23.6pt;"><span style="font-family:Times New Roman;font-size:10pt;">None</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:438.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Deferred Sales Load (or Surrender Charge) (as a percentage of amount surrendered)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:29.6pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:21.6pt;"> <div style="display:flex;margin:auto;width:23.6pt;"> <div style="display:flex;white-space:nowrap;width:23.6pt;"><span style="font-family:Times New Roman;font-size:10pt;">None</span></div></div></div></td></tr> <tr style="height:11pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;width:438.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transfer Fee</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:29.6pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:21.6pt;"> <div style="display:flex;margin:auto;width:23.6pt;"> <div style="display:flex;white-space:nowrap;width:23.6pt;"><span style="font-family:Times New Roman;font-size:10pt;">None</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">The next table describes the fees and expenses that </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You will pay </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">each year</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> during the time that You own the Contract (not including Portfolio Company fees and expenses). </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Annual Contract Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:421.65pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Expenses </span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:46.35pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:38.35pt;"> <div style="display:flex;margin:auto;width:40.35pt;"> <div style="display:flex;white-space:nowrap;width:40.35pt;"><span style="font-family:Times New Roman;font-size:10pt;">$</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:7.5pt;">35</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="font-family:Times New Roman;font-size:6.5pt;position:relative;top:-2.75pt;">(2)</span> <div style="clear:right;"> </div></div></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:421.65pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Contract Expenses (as a percentage of average Variable Account Value or Contract Account Value))</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:46.35pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:38.35pt;"> <div style="display:flex;margin:auto;width:40.35pt;"> <div style="display:flex;white-space:nowrap;width:40.35pt;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:12.41pt;">1.25</span><span style="font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:421.65pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Benefit Expenses (as a percentage of benefit base or other (e.g., average Account Value))</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:46.35pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:38.35pt;"> <div style="display:flex;margin:auto;width:40.35pt;"> <div style="display:flex;white-space:nowrap;width:40.35pt;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:5.17pt;">N/A</span></div></div></div></td></tr> <tr style="height:11pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;width:421.65pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Interest</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;width:46.35pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:1pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">8</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">We sometimes use multiple Contract numbers, with the same first nine digits in the numbers, to segregate multiple sources of funds for a Contract Owner, such as employee versus employer. In these situations, We will deduct only one annual maintenance fee per year for those multiple Contract numbers. We reserve the right to change the annual maintenance fee for Contracts issued in the future. </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">For Contracts issued on and After May 1, 2019.</span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">The next item shows the minimum and maximum total operating expenses charged by the </span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Portfolio Companies that You </span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">may pay periodically during the time that </span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">You own the Contract. Expenses shown may change over time and may be higher </span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">or lower in the future. These amounts also include applicable platform charges if you choose to invest in certain Portfolio Companies.</span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> A complete list of Portfolio Companies available under the Contract, including their annual expenses, may be found at the back of this document.</span><span style="font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:14.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:366.66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0.41%;margin-right:1.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Portfolio Company Expenses</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:50.85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.85%;margin-right:8.85%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.91%;margin-right:2.97%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div></div></div></td></tr> <tr style="height:23.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;width:366.66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio Company assets, including management fees, </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:50.85pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:41.85pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.04%</span></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:50.5pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:42.5pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.34%</span></div></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Transaction Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:438.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Sales Load Imposed on Purchases (as a percentage of purchase payments)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:29.6pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:21.6pt;"> <div style="display:flex;margin:auto;width:23.6pt;"> <div style="display:flex;white-space:nowrap;width:23.6pt;"><span style="font-family:Times New Roman;font-size:10pt;">None</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:438.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Deferred Sales Load (or Surrender Charge) (as a percentage of amount surrendered)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:29.6pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:21.6pt;"> <div style="display:flex;margin:auto;width:23.6pt;"> <div style="display:flex;white-space:nowrap;width:23.6pt;"><span style="font-family:Times New Roman;font-size:10pt;">None</span></div></div></div></td></tr> <tr style="height:11pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;width:438.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transfer Fee</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:29.6pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:21.6pt;"> <div style="display:flex;margin:auto;width:23.6pt;"> <div style="display:flex;white-space:nowrap;width:23.6pt;"><span style="font-family:Times New Roman;font-size:10pt;">None</span></div></div></div></td></tr></table> 0 0 0 <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Annual Contract Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:421.65pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Expenses </span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:46.35pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:38.35pt;"> <div style="display:flex;margin:auto;width:40.35pt;"> <div style="display:flex;white-space:nowrap;width:40.35pt;"><span style="font-family:Times New Roman;font-size:10pt;">$</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:7.5pt;">35</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="font-family:Times New Roman;font-size:6.5pt;position:relative;top:-2.75pt;">(2)</span> <div style="clear:right;"> </div></div></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:421.65pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Contract Expenses (as a percentage of average Variable Account Value or Contract Account Value))</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:46.35pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:38.35pt;"> <div style="display:flex;margin:auto;width:40.35pt;"> <div style="display:flex;white-space:nowrap;width:40.35pt;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:12.41pt;">1.25</span><span style="font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:421.65pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Benefit Expenses (as a percentage of benefit base or other (e.g., average Account Value))</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:46.35pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:38.35pt;"> <div style="display:flex;margin:auto;width:40.35pt;"> <div style="display:flex;white-space:nowrap;width:40.35pt;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:5.17pt;">N/A</span></div></div></div></td></tr> <tr style="height:11pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;width:421.65pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Interest</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;width:46.35pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:1pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">8</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">We sometimes use multiple Contract numbers, with the same first nine digits in the numbers, to segregate multiple sources of funds for a Contract Owner, such as employee versus employer. In these situations, We will deduct only one annual maintenance fee per year for those multiple Contract numbers. We reserve the right to change the annual maintenance fee for Contracts issued in the future. </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">For Contracts issued on and After May 1, 2019.</span> 35 0.0125 0.08 <span style="color:#000000;font-family:Times New Roman;font-size:8pt;">We sometimes use multiple Contract numbers, with the same first nine digits in the numbers, to segregate multiple sources of funds for a Contract Owner, such as employee versus employer. In these situations, We will deduct only one annual maintenance fee per year for those multiple Contract numbers. We reserve the right to change the annual maintenance fee for Contracts issued in the future. </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">For Contracts issued on and After May 1, 2019.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:14.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:366.66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0.41%;margin-right:1.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Portfolio Company Expenses</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:50.85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.85%;margin-right:8.85%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.91%;margin-right:2.97%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div></div></div></td></tr> <tr style="height:23.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;width:366.66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio Company assets, including management fees, </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:50.85pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:41.85pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">0.04%</span></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:50.5pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:42.5pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.34%</span></div></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio Company assets, including management fees, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span> 0.0004 0.0134 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:13pt;"> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:257pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You surrender Your Contract at the end of the applicable time </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">period:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3 years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5 years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:1pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10 years</span></div></div></td></tr> <tr style="height:11pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:53pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:44pt;"> <div style="display:flex;margin:auto;width:29.5pt;"> <div style="display:flex;white-space:nowrap;width:29.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$2,638</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:53pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:44pt;"> <div style="display:flex;margin:auto;width:29.5pt;"> <div style="display:flex;white-space:nowrap;width:29.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$8,095</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:53pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:44pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$13,803</span></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:52pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:44pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$29,248</span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:13pt;"> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:257pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You surrender Your Contract at the end of the applicable time </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">period:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">3 years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">5 years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:1pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">10 years</span></div></div></td></tr> <tr style="height:11pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:53pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:44pt;"> <div style="display:flex;margin:auto;width:29.5pt;"> <div style="display:flex;white-space:nowrap;width:29.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$2,628</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:53pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:44pt;"> <div style="display:flex;margin:auto;width:29.5pt;"> <div style="display:flex;white-space:nowrap;width:29.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$8,066</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:53pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:44pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$13,756</span></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:52pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:44pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">$29,161</span></div></div></div></td></tr></table> 2638 8095 13803 29248 2628 8066 13756 29161 <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Benefits Available Under the Contract</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:2pt;margin-left:0%;margin-top:1.0pt;position:relative;text-align:left;top:-2pt;width:510pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following table summarizes information about the benefits available under the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:37.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:159.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die before the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Annuity Date and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Contract is in </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">force, pays Your </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">designated </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">greater of: (1) the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Value; or (2) </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Net Premium paid, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">less an adjustment for </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any withdrawals and a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduction for any </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loan </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">balance.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td></tr> <tr style="height:47.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Rebalancing</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rebalances the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Options </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select (either</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar cost averaging </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:37.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">or Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:78.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarterly, semiannually </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or annually) to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">maintain Your chosen </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">mix of Investment </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span></div></div></td></tr> <tr style="height:114pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dollar Cost Averaging</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfers a specific </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of money from </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Investment Options </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You have selected, at </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">set intervals over a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specific period of time.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">portfolio rebalancing </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span></div></div></td></tr> <tr style="height:135.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Systematic </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdraws money </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(either monthly, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarterly, semi-</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">annually or annually) </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from the Investment </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The amount of the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals are </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">determined by the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">systematic withdrawal </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option You select.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar cost averaging </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Buying the Contract</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:2pt;margin-left:0%;margin-top:1.0pt;position:relative;text-align:left;top:-2pt;width:510pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">How Do I Purchase the Personal Retirement Planner Qualified Variable Annuity Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">? </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">To purchase a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract, You must complete an application bearing all requested signatures and a client profile form, in those </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">instances when the purchase of this product was the result of a recommendation. For 457(b) and 401(a) </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contracts the employer will </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">purchase the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract on behalf of the employee, but the employee will be required to complete an application and client profile form in those instances, when the purchase of this product was the result of a recommendation. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">How Much Can I Contribute and How are My Contributions Invested? </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your premium payments will be invested in the Investment Options that You choose.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:15.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:255pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:255pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Qualified Policies (Purchased using pre-tax dollars)</span></div></div></td></tr> <tr style="height:16.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Minimum Initial Annual Premium</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$300 annually</span></div></div></td></tr> <tr style="height:19pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:255pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Minimum Subsequent Annual Premiums</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:255pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$300 annually</span></div></div></td></tr> <tr style="height:30pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:255pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Maximum Subsequent Premiums (per Contract Year after 1st </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract Anniversary)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:255pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">As permitted by IRS regulations</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:255pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Maximum Total Premiums</span></div></div></td> <td style="padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:255pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$1,000,000 without Our prior approval</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">After Your initial premium payment, You are not required to make any additional premium payments under Your</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Will Any Premium Payments that I Make be Credited to My Account? </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">Net Premium</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> payments allocated to the Separate Account will be applied at the applicable Accumulation Unit Value determined on </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Valuation Date following receipt in good form (sufficiently clear so that We do not need to exercise any discretion to follow such </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">instructions). The minimum premium payment for the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract is $25 per month or $300 per year. HMLIC limits the maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">cumulative premium to $1 million without </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Our prior approval. After the first Contract Year, We reserve the right to limit premium payments to a maximum of $30,000 each Contract Year. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">If a registered representative recommended and completed the application and associated forms, the appropriate broker-dealer has approved the suitability and best interest of the sale, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your application is complete and Your initial premium payment has been </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">received at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Our</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Home Office, We will issue Your</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract within two business days of its receipt, and credit Your initial Net Premium to Your</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">If an incomplete application is received, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">HMLIC will promptly request additional information needed to process the application. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">Any initial premium payment received by </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">HMLIC will be held in a suspense account, without interest, for a period not exceeding </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">five business days unless otherwise directed by the applicant. If the necessary information is not received within these five business </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">days HMLIC will return any initial premium payment received by HMLIC, unless otherwise directed by the applicant. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">Allocation of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Net Premiums</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—When </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You complete Your application, You will give Us instructions on how to allocate Your</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Net </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">Premium</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> payments among the fixed account and/or the available Subaccounts. The amount You direct to a particular Subaccount or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">to the fixed account must be in whole number percentages from 5% to 100% of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Net Premium payment. If You make additional </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">premium payments, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will allocate the Net Premiums in the same manner as Your initial Net Premium payment. A request to change the allocation of premium payments will be effective on the Valuation Date of receipt of the request in good form. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">Premium payments allocated to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Separate Account are credited on the basis of Accumulation Unit Value. The number of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">Accumulation Units</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> purchased by Your premium payments is determined by dividing the dollar amount credited to each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">Subaccount</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> by the applicable Accumulation Unit Value next determined following receipt of the payment at Our</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Home Office. The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">value of an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Accumulation Unit is affected by the investment experience of the Portfolio Company, expenses and the deduction of certain charges under the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">Accumulation Units</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> are valued on each Valuation Date. If We receive Your premium payment before 3:00 p.m. Central Time (or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">before the close of the NYSE, if earlier), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will process the order using the applicable Subaccount</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Accumulation Unit Value </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">determined at the close of that </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Valuation Date. If We receive Your premium payment at or after 3:00 p.m. Central Time (or at or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">after the close of the NYSE if earlier), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will process the order using the applicable Subaccount</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Accumulation Unit Value determined at the close of the next Valuation Date.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:37.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:159.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die before the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Annuity Date and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Contract is in </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">force, pays Your </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">designated </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">greater of: (1) the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Value; or (2) </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Net Premium paid, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">less an adjustment for </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any withdrawals and a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduction for any </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loan </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">balance.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td></tr> <tr style="height:47.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Rebalancing</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rebalances the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Options </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select (either</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar cost averaging </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:37.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">or Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:78.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarterly, semiannually </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or annually) to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">maintain Your chosen </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">mix of Investment </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:9pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span></div></div></td></tr> <tr style="height:114pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dollar Cost Averaging</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfers a specific </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of money from </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Investment Options </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You have selected, at </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">set intervals over a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specific period of time.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">portfolio rebalancing </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span></div></div></td></tr> <tr style="height:135.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Systematic </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdraws money </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(either monthly, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarterly, semi-</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">annually or annually) </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from the Investment </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The amount of the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals are </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">determined by the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">systematic withdrawal </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option You select.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar cost averaging </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die before the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Annuity Date and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Contract is in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">force, pays Your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">designated </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">greater of: (1) the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Value; or (2) </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Net Premium paid, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">less an adjustment for </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any withdrawals and a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduction for any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loan </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">balance.</span> true 0 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Rebalancing</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rebalances the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Options </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select (either</span> true 0 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar cost averaging </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option. </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarterly, semiannually </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or annually) to </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">maintain Your chosen </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">mix of Investment </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dollar Cost Averaging</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfers a specific </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of money from </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Investment Options </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You have selected, at </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">set intervals over a </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specific period of time.</span> true 0 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">portfolio rebalancing </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Systematic </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawals</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdraws money </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(either monthly, </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarterly, semi-</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">annually or annually) </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from the Investment </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select. </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The amount of the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals are </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">determined by the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">systematic withdrawal </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option You select.</span> true 0 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar cost averaging </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Principal Risks of Investing in the Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Risk of Loss</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">The Contract involves investment risk, including the loss of the principal amount invested.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Not a Short-term Investment</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">The Contract is not suitable as a short-term savings vehicle. It is designed for individuals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">seeking long-term, tax-deferred accumulation of funds. Purchasing the Contract as an investment vehicle for a Qualified Retirement Plan does not provide any additional tax advantage beyond that already available through the Qualified Retirement Plan. Therefore, You should have reasons other than tax deferral to purchase this product.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Risks Associated with Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">There can be no guarantee, and no representation is made, that the investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">results of any of the Underlying Funds will be comparable to the investment results of any other mutual fund, even if the other mutual fund has the same investment adviser or manager. Past performance does not guarantee how the Underlying Funds will perform in the future. Your investments in Underlying Funds will fluctuate and You could lose money.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Insurance Company Risks</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">An investment in the Contract is subject to the risks related to Horace Mann Life Insurance </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Company (HMLIC). Any obligations (including under any fixed account Investment Options), guarantees, or benefits are subject to the claims-paying ability of HMLIC. More information about HMLIC, including its financial strength ratings, is available upon request from HMLIC, and may be obtained by calling 1-800-999-1030 or visiting http://www.horacemann.com/why-us/a-history-of-financial-strength.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Limitation on Access to Cash Value Through Withdrawals</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">Unless restricted by the IRC, or the terms of any Qualified </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Retirement Plan under which Qualified Contracts are issued (if applicable), You may at any time before the Annuity Date surrender Your Contract in whole or withdraw in part for cash. You may have to pay federal income taxes and an additional tax (penalty tax) if You surrender or make a withdrawal from Your Contract. The IRC provides an additional tax (penalty tax) for early distributions under annuity contracts and Qualified Retirement Plans. Values may not be withdrawn from Qualified Contracts, other than traditional IRAs and Roth IRAs except under certain circumstances. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Premium payments made on a pre-tax basis through salary reduction (other than amounts designated as Roth contributions), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">employer amounts, or deductible amounts in the case of traditional IRAs are not subject to current income taxes at the time they are made. Earnings are also not subject to income taxes as they accumulate within the Contract. Except for qualified distributions from Roth-type accounts or after-tax premium payments, Contract benefits will be subject to ordinary income taxes when received in accordance with Section 72 of the IRC. Distributions from Qualified Contracts (other than traditional IRAs or Roth IRAs) may be restricted by the Qualified Retirement Plan and the IRC. Early distributions from Qualified Contracts may be subject to a penalty tax and the IRC also generally requires that distributions from Qualified Contracts (other than Roth IRAs) begin by April 1, following the calendar year in which the Contract Owner reaches age 73.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Significant Events</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—We are also exposed to risks related to natural and man-made disasters and catastrophes, such as storms, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">fires, floods, earthquakes, epidemics, pandemics, malicious acts, and terrorist acts, which could adversely affect Our ability to conduct business. The risk of cyber-attacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments). A natural or man-made disaster or catastrophe, including a pandemic (such as COVID-19), could affect the ability, or willingness, of Our workforce and employees of service providers and third party administrators to perform their job responsibilities. Even if Our workforce and employees of Our service providers and third party administrators were able to work remotely, those remote work arrangements could result in Our business operations being less efficient than under normal circumstances and lead to delays in Our issuing Contracts and processing of other Contract-related transactions, including orders from Contract Owners. Catastrophic events may negatively affect the computer and other systems on which We rely and may interfere with Our ability to receive, pickup and process mail, Our processing of Contract-related transactions, impact Our ability to calculate Contract value, or have other possible negative impacts. These events may also impact </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">the issuers of securities in which the Portfolio Companies invest, which may cause the Portfolio Companies underlying Your Contract to lose value. There can be no assurance that We, the Portfolio Companies or Our service providers will avoid losses </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">affecting Your Contract due to a natural disaster or catastrophe.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Risk of Loss</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">The Contract involves investment risk, including the loss of the principal amount invested.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Not a Short-term Investment</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">The Contract is not suitable as a short-term savings vehicle. It is designed for individuals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">seeking long-term, tax-deferred accumulation of funds. Purchasing the Contract as an investment vehicle for a Qualified Retirement Plan does not provide any additional tax advantage beyond that already available through the Qualified Retirement Plan. Therefore, You should have reasons other than tax deferral to purchase this product.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Risks Associated with Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">There can be no guarantee, and no representation is made, that the investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">results of any of the Underlying Funds will be comparable to the investment results of any other mutual fund, even if the other mutual fund has the same investment adviser or manager. Past performance does not guarantee how the Underlying Funds will perform in the future. Your investments in Underlying Funds will fluctuate and You could lose money.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Insurance Company Risks</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">An investment in the Contract is subject to the risks related to Horace Mann Life Insurance </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Company (HMLIC). Any obligations (including under any fixed account Investment Options), guarantees, or benefits are subject to the claims-paying ability of HMLIC. More information about HMLIC, including its financial strength ratings, is available upon request from HMLIC, and may be obtained by calling 1-800-999-1030 or visiting http://www.horacemann.com/why-us/a-history-of-financial-strength.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Limitation on Access to Cash Value Through Withdrawals</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">Unless restricted by the IRC, or the terms of any Qualified </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Retirement Plan under which Qualified Contracts are issued (if applicable), You may at any time before the Annuity Date surrender Your Contract in whole or withdraw in part for cash. You may have to pay federal income taxes and an additional tax (penalty tax) if You surrender or make a withdrawal from Your Contract. The IRC provides an additional tax (penalty tax) for early distributions under annuity contracts and Qualified Retirement Plans. Values may not be withdrawn from Qualified Contracts, other than traditional IRAs and Roth IRAs except under certain circumstances. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Premium payments made on a pre-tax basis through salary reduction (other than amounts designated as Roth contributions), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">employer amounts, or deductible amounts in the case of traditional IRAs are not subject to current income taxes at the time they are made. Earnings are also not subject to income taxes as they accumulate within the Contract. Except for qualified distributions from Roth-type accounts or after-tax premium payments, Contract benefits will be subject to ordinary income taxes when received in accordance with Section 72 of the IRC. Distributions from Qualified Contracts (other than traditional IRAs or Roth IRAs) may be restricted by the Qualified Retirement Plan and the IRC. Early distributions from Qualified Contracts may be subject to a penalty tax and the IRC also generally requires that distributions from Qualified Contracts (other than Roth IRAs) begin by April 1, following the calendar year in which the Contract Owner reaches age 73.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Significant Events</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—We are also exposed to risks related to natural and man-made disasters and catastrophes, such as storms, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">fires, floods, earthquakes, epidemics, pandemics, malicious acts, and terrorist acts, which could adversely affect Our ability to conduct business. The risk of cyber-attacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments). A natural or man-made disaster or catastrophe, including a pandemic (such as COVID-19), could affect the ability, or willingness, of Our workforce and employees of service providers and third party administrators to perform their job responsibilities. Even if Our workforce and employees of Our service providers and third party administrators were able to work remotely, those remote work arrangements could result in Our business operations being less efficient than under normal circumstances and lead to delays in Our issuing Contracts and processing of other Contract-related transactions, including orders from Contract Owners. Catastrophic events may negatively affect the computer and other systems on which We rely and may interfere with Our ability to receive, pickup and process mail, Our processing of Contract-related transactions, impact Our ability to calculate Contract value, or have other possible negative impacts. These events may also impact </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">the issuers of securities in which the Portfolio Companies invest, which may cause the Portfolio Companies underlying Your Contract to lose value. There can be no assurance that We, the Portfolio Companies or Our service providers will avoid losses </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">affecting Your Contract due to a natural disaster or catastrophe.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Death Benefit Proceeds </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">If the Contract Owner dies before the Annuity Date and while the Contract is in force, We will pay a death benefit to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">beneficiary designated by the Contract Owner. The death benefit ends at the Annuity Date. When multiple Contract numbers, with the same first nine digits in the number, are used to segregate multiple sources of funds for a Contract Owner, such as employee versus employer, beneficiaries must be consistent for all such Contract numbers, and the death benefit will be determined as the aggregate death benefit for all such Contract numbers. The death benefit is determined for each beneficiary as of the date Proof of Death is received by HMLIC from such beneficiary. Proof of Death includes a certified death certificate or other satisfactory evidence of death, a completed claimant’s statement and any additional forms, documentation, and written payment instructions necessary to process a death benefit claim, in a form satisfactory to Us. Where there are multiple beneficiaries, only one certified death certificate will be required. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The beneficiary will receive the greater of: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Account Value; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Net Premium paid, less an adjustment for any withdrawals and a reduction for any outstanding loan balance (An adjustment for any withdrawal is determined by dividing the withdrawal amount by the Account Value immediately prior to the withdrawal and multiplying the resulting fraction by the death benefit immediately prior to the withdrawal.) </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">At the option of the beneficiary, We will pay all or part of the death benefit proceeds to the beneficiary under one of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annuity Payment options described under “The Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—Annuity Payment Options.” If the form of Annuity Payment selected </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">requires that payment be made by HMLIC after the death of the beneficiary, payments will be made to his/her designated beneficiary. Any part of a Contract Owner’s interest payable to a minor child will be paid to the child’s legal guardian for the benefit of the child. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Every state has unclaimed property laws which generally declare annuity contracts to be abandoned after a period of inactivity </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">of 3 to 5 years from the contract’s maturity date or date the death benefit is due and payable. For example, if the payment of a death benefit has been triggered, but after a thorough search We are not able to locate the beneficiary, or the beneficiary does not claim the death benefit in a timely manner, the death benefit will be paid to the unclaimed property office of the state in which the beneficiary or the Contract Owner last resided, as shown on Our books and records, or to Our state of domicile. This “escheatment” is revocable, however, and the state is obligated to pay the death benefit or Contract proceeds if the beneficiary or owner of the property presents a timely claim with the proper documentation to the applicable state. To help prevent such escheatment, it is important that You keep Your desired beneficiary designations up to date, including full names and complete addresses, if and as they change.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Annuity Payments</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The Annuity Date may be any date prior to the Annuitant’s 100</span><span style="font-family:Times New Roman;font-size:6.5pt;position:relative;top:-2.75pt;">th</span><span style="font-family:Times New Roman;font-size:10pt;"> birthday. Qualified Contracts often have certain limitations upon election of an Annuity Date. Generally, distributions under Qualified Contracts (except Roth IRAs) must begin by April 1 following the calendar year in which the Contract Owner reaches age 73 or, except for IRAs, retires. (See “Tax Consequences.”) The Contract provides for fixed Annuity Payment options. Before Your Annuity Date, You may elect to have Annuity Payments made under any one or more of the options described below or may elect a lump sum payment. To begin receiving Annuity Payments You must submit a request in good form to Our Home Office. In general, the amount of Your Annuity Payment will be determined by the total Account Value applied to the option, the form of payment selected, the timing of the purchase and the applicable annuity purchase rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The Contract Owner may elect to have a portion of the Account Value applied to purchase Annuity Payments, leaving the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">remainder of the Account Value in the Contract. The portion of the Account Value applied to purchase Annuity Payments will be treated as a withdrawal for purposes of determining any death benefit. If the selected Annuity Payment option allows withdrawals, any withdrawal made may have tax consequences, and may affect any subsequent Annuity Payments. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">We will process the request so that the Annuity Payments begin as of the date requested except the 29th, 30th or 31st of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">month. We will transfer Your Variable Account Value to the fixed account on the Valuation Date Your request is received in good form at Our Home Office. Your Net Premium allocation(s) will be changed to the fixed account. Generally, at the time an Annuity Payment option is selected, a Contract Owner must elect whether to have federal and state income taxes withheld. (See “Other Information</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—Forms Availability” and “Tax Consequences.”) </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">In general, the longer Annuity Payments are guaranteed, the lower the amount of each payment. Annuity Payments remain </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">level throughout the payout period, except in the case of certain joint and survivor Annuity Payment options and Annuity Payment options with an Increase option (as described below), and are paid in monthly, quarterly, semiannual, and annual installments. Payments are made at the beginning of the selected time period, and less frequent payments will result in a lower total amount of payments during an annual period than the total amount of payments that would be made during the same year for more frequent payments. An annual installment payment will result in the lowest total amount of payments during the year because it is paid entirely at the beginning of the year. If the Annuitized Value to be applied under any one Annuity Payment option is less than $2,000 or if the option chosen would provide Annuity Payments of less than $20 per month at the Annuity Date, then the Annuitized Value may be paid in a lump sum. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Certain of the Annuity Payment options available under a Contract can be selected with an Increase option or a Refund at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Death option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">These optional features must be selected at the time You elect an Annuity Payment option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">if an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Increase option</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> is selected, Annuity Payments will increase on each anniversary of the Annuity Date based on the increase percentage selected (1%, 2%, 3%, 4% or 5%). If You select an Increase option, then Your initial Annuity Payment (to which the increase percentage selected will apply) will be lower than the Annuity Payment You would receive under the Annuity Payment option </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">without</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> the Increase option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Cash Refund at Death option</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> pays You, upon the Annuitant’s death, the difference between the Annuitized Value and the Annuity Payments made to date. The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Installment Refund at Death option</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> will, upon the death of the Annuitant(s), continue Annuity Payments until total Annuity Payments made equal the Annuitized Value. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The death benefit ends upon full annuitization of the Contract.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Annuity Payment Options </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Before Your Annuity Date, You may select one of the following Annuity Payment options that We currently make available, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">and will continue to make available for the duration of Your Contract. We reserve the right to make other Annuity Payment options available under the Contract. If We do not receive written election of an Annuity Payment option from You at Our Home Office before the Annuity Date, the Annuity Payment option will be Life Annuity with Payments Guaranteed for 10 Years. Annuity Payments will be paid in monthly installments. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Life Annuity with Payments Guaranteed for Life Only, 10, 15, or 20 Years</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—Annuity Payments are made to the Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Owner beginning with the Annuity Date. The Annuity Payments will be based upon the number of guaranteed payments selected, and the age and sex of the Annuitant on the Annuity Date. Payments for this Annuity Payment option will continue as long as the Annuitant lives, or until all guaranteed payments have been made, whichever is later. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Under the Life Annuity with Payments Guaranteed for Life Only option, it is possible that only one Annuity Payment will be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">made if the Annuitant’s death occurs before the scheduled date of the second Annuity Payment. With the Life Annuity with Payments Guaranteed for Life Only, You may elect an Increase option or the Installment Refund at Death option or the Cash Refund at Death Option. With a Life Annuity with Payments Guaranteed for 10, 15, or 20 Years, You may elect an Increase option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Guaranteed Annuity Payments cannot extend beyond the life expectancy of the Annuitant, as defined by the IRC. If the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract Owner dies before all Annuity Payments have been made, the remaining Annuity Payments will be paid to the Beneficiary(ies). </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">If the Annuitant dies before all guaranteed Annuity Payments have been made, the remaining guaranteed Annuity Payments </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">will be paid to the Contract Owner, if living, otherwise to the Beneficiary(ies). </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">After the Annuity Date, this Annuity Payment option cannot be changed and withdrawals cannot be made. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Payments for a Specified Period</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—Annuity Payments are made to the Contract Owner beginning with the Annuity Date </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">and continue for the specified period of time as elected. The specified period can be as short as ten years or as long as 30 years. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Annuity Payments cannot extend beyond the life expectancy of the Annuitant, as defined by the IRC. If the Contract Owner </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">dies before all Annuity Payments have been made, the remaining Annuity Payments will be paid to the Beneficiary(ies) for the remainder of the specified period. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">If the Annuitant dies before all Annuity Payments have been made, the remaining Annuity Payments will be paid to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract Owner, if living, otherwise to the Beneficiary(ies) for the remainder of the specified period. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Withdrawals are not allowed under this option. You may add an Increase option to this Annuity Payment option, and after the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annuity Date, You cannot change the Annuity Payment option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Joint and Survivor Annuity</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—Payments are made to the Contract Owner beginning with the Annuity Date. The Annuity </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Payments will be based upon the specific survivor option selected, and the age and sex of the two Annuitants on the Annuity Date. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The available survivor options are to pay during the lifetime of the survivor (1) 50%, (2) 66</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;"> 2</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">∕</span><span style="color:#000000;font-family:Times New Roman;font-size:6pt;">3</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">%, or (3) 100% of the Annuity Payments paid while both Annuitants were living. Upon the death of one Annuitant, the selected survivor option percentage will be applied to determine the remaining payments during the lifetime of the survivor. Upon the death of the survivor, Annuity Payments cease. If the Contract Owner dies while at least one Annuitant is living, the remaining Annuity Payments will be paid to the Beneficiary(ies). After the Annuity Date, this Annuity Payment option cannot be changed and withdrawals cannot be made. With the Joint and Survivor Annuity, You may elect an Increase option. With the Joint and 100% Survivor Annuity, You may elect an Increase option or the Installment Refund at Death option or the Cash Refund at Death Option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Other Payout Options </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">— If the Contract Owner does not wish to elect one or more of the Annuity Payment options </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">described above, the Contract Owner may: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">a.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">receive the proceeds in a lump sum less any applicable surrender charges, or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">b.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">leave the Contract with HMLIC and receive the value under any applicable required minimum distribution requirements of IRC Section 401(a) (9), (See “Taxation of Qualified Contracts</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—Required Minimum Distributions,”) or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">c.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">elect any other payout option that HMLIC makes available.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Amount of Annuity Payments</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annuitized Value will be applied to purchase the Annuity Payment option You select.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Fixed Annuity Payments</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—Except in the case of certain joint and survivor Annuity Payment options and Annuity Payment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">options with an Increase option (as described above), the amount of each Fixed Annuity Payment will not change. Higher Annuity Payments may be made at the sole discretion of HMLIC.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Misstatement of Age or Gender (if a Gender-Specific Contract has been Issued) </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">If any age or gender (if a gender-specific contract has been issued) has been misstated, We will pay Annuity Payments in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">amount which would have been paid at the correct age and gender (if a gender-specific contract has been issued). We will deduct any overpayments We have made, including interest of 5 percent per year, from future payments. We will pay any under payments, including interest of 5 percent per year, in a lump sum to the Contract Owner if living, otherwise to the beneficiary(ies).</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">The Fixed Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The fixed account is part of HMLIC’s general account. We use general account assets to support Our insurance and annuity </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">obligations (death benefits and Annuity Payments) other than those funded by separate accounts. Unlike the Separate Account, the general account isn’t segregated or insulated from claims of HMLIC’s creditors. You must depend on the financial strength and claims paying ability of HMLIC for satisfaction of HMLIC’s obligations under the Contract. Subject to applicable law, HMLIC has sole discretion over the investment of the assets of the fixed account. We begin crediting interest to any Net Premium received and allocated to the fixed account after the initial Net Premium, from the date We receive the Net Premium in Our Home Office. HMLIC bears the full investment risk for all amounts contributed to the fixed account. HMLIC guarantees that the amounts allocated to the fixed account under the Contracts will be credited interest daily at an annual effective interest rate as specified in Your Contract. We will determine any interest rate credited in excess of the guaranteed rate at Our sole discretion. For additional information about the fixed account, see Your Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The fixed account guaranteed interest rate is determined on the Issue Date and will be redetermined at the time periods shown </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">on the Contract data pages. For purposes of redetermining the fixed account guaranteed interest rate, We divide each calendar year into two predetermined periods, January-June and July-December. Each Contract Anniversary that allows for the redetermination of the fixed account guaranteed interest rate will fall within a predetermined six-month period. All Contracts with such Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">Anniversaries occurring in the same predetermined six-month period, will have the same fixed account guaranteed interest rate. The fixed account guaranteed interest rate for each predetermined period will be at least as great as the lesser of 3 percent and the average of the five-year Constant Maturity Treasury Rate (CMT) over the six-month period beginning 9 months prior to the beginning of the predetermined period, rounded to the nearest 1/20th of one percent, reduced by 125 basis points; but not less than the rate </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">prescribed in the law of the state where the policy is delivered or issued for delivery. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The fixed account has not been registered with the Securities and Exchange Commission.</span> <span style="font-family:Arial;font-size:12pt;font-weight:bold;">Appendix A: Investment Options Available Under the Contract</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:2pt;margin-left:0%;margin-top:1.0pt;text-align:left;top:12pt;width:510pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The following is a list of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at dfinview.com/HoraceMann/TAHD/PRPQ. You can also request this information at no cost by calling 1-800-999-1030 or by sending an email request to contactcenterannuity@horacemann.com. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The current expenses and performance information below reflects fees and expenses of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Portfolio Companies, but do not reflect the other fees and expenses that Your</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Type of Fund</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Portfolio Company and</span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Current </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:156.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Average Annual Total Returns</span></div> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/25)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">5-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">10-year</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Retirement </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.31%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.82%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.33%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2020 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">12.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.77%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.87%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2025 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.78%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2030 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">16.24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.66%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2035 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">17.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.40%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2040 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">18.76%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.57%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.13%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2045 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">19.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.74%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2050 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">21.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.95%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.02%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2055 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">21.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.96%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.02%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2060 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">21.42%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.96%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.02%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Equity </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Fund — Investor </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.69%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.31%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.66%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> 500 Index </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Admiral Shares</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.04%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">17.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.38%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.78%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS Growth </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund Class 4</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research and Management </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">19.93%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">13.09%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">17.67% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Type of Fund</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Portfolio Company and</span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Current </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:156.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Average Annual Total Returns</span></div> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/25)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">5-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">10-year</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT Sustainable </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Leaders IA(5)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Advisor) </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam Investment </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management, LLC.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Subadvisers) Franklin </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisers, Inc. and Franklin </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Templeton Investment </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.98%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Growth Stock </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund — Investor Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Rowe Price Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.66%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">15.65%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.36%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.16%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Selected Value</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.34%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">12.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.43%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Extended </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Market Index Admiral </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Shares</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.05%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.42%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.01%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Henderson Enterprise </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Instl</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Management LLC.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.72%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.67%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">12.79%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price New </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Horizons Fund – Investor </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(4)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.80%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-2.12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.51%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Mid-Cap </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Fund</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(3)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.33%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.83%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Small-Cap </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value Fund — Investor </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.22%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.70%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Small Cap Index </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Admiral Shares</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.05%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.34%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.43%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS VIT New Discovery </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Series Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">*</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(4)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.87%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">12.96%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.28%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.74%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Neuberger Genesis Fund </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisor Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Neuberger </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Berman Investment </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">1.34%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-5.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.60%</span></div></div></td></tr> <tr style="height:56pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Developed Markets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Growth and </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income 1</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Research </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and Management </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.56%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">35.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.97%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.08%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Developed Markets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Overseas </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Stock Fund — Investor </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.78%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">31.80%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.36%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Developed Markets</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Developed </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Markets Index — Admiral </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Shares</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.05%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">35.17%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.11%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.71% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Type of Fund</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Portfolio Company and</span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Current </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:156.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Average Annual Total Returns</span></div> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/25)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">5-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">10-year</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Emerging Markets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Emerging </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Markets Stock </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund — Investor Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Rowe Price Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">1.23%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">32.46%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-1.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.16%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Emerging Markets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Emerging </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Markets Stock Index </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Admiral Share</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.13%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">24.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.10%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Real Estate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Global Real </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate — Investor Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Associates, </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.95%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.23%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Real Estate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Real Estate </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index Fund Admiral Shares</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">/ </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.13%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.64%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.14%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Technology</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Henderson Global </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Technology and Innovation </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund Class I</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Capital </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management LLC.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.73%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">25.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">13.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">21.48%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS US </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Securities 1</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management Company</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">1.95%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity VIP Investment </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Grade Bond Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.22%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.71%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price New Income </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund — Investor Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">*</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(2)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Associates, </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.66%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">1.72%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Total Bond </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Market Index Admiral </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Shares</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.04%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.42%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">1.99%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price International </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond Fund — Investor </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">*</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(1)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.67%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-3.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.82%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Global </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond Index</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.13%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.69%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Multi-Sector Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Spectrum </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Fund — Investor </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.61%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.11%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">High Yield Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> High-Yield </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Corporate Fund Admiral </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Shares</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.46%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.21%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.69%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Short-Term Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Short-Term </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard Group, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.14%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.85%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.23%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.81% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Type of Fund</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Portfolio Company and</span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Current </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:156.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Average Annual Total Returns</span></div> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/25)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">5-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">10-year</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balanced</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Calvert VP SRI Balanced I</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Calvert Research and </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.65%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.48%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.68%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.81%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Money Market</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Federal Money </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Market Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.11%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.22%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.20%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.14%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">*</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">These expenses reflect temporary fee reductions. The details about these waivers can be found in the Portfolio Company prospectus at </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;text-decoration:underline;">dfinview.com/HoraceMann/TAHD/PRPQ</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">On and after May 1, 2019, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Companies. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Companies, they may continue the program(s), but may not begin or increase allocations. </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">On and after May 1, 2021, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Company. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Company, they may continue the program(s), but may not begin or increase allocations to the Portfolio Company. </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">On and after May 1, 2022, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Company. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Company, they may continue the programs(s), but may not begin or increase allocations to the Portfolio Company. </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(4)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">On and after May 1, 2025, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Company. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Company, they may continue the programs(s), but may not begin or increase allocations to the Portfolio Company. </span><span style="font-family:Times New Roman;font-size:8pt;">(5)</span><span style="font-family:Times New Roman;font-size:8pt;">On and after May 1, 2026, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Companies. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Companies, they may continue the program(s), but may not begin or increase allocations. </span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The following is a list of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at dfinview.com/HoraceMann/TAHD/PRPQ. You can also request this information at no cost by calling 1-800-999-1030 or by sending an email request to contactcenterannuity@horacemann.com. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The current expenses and performance information below reflects fees and expenses of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Portfolio Companies, but do not reflect the other fees and expenses that Your</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Type of Fund</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Portfolio Company and</span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Current </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:156.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Average Annual Total Returns</span></div> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/25)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">5-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">10-year</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Retirement </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.31%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.82%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.33%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2020 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">12.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.77%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.87%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2025 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.90%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.78%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2030 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">16.24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.66%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2035 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">17.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.40%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2040 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">18.76%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.57%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.13%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2045 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">19.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.74%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2050 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">21.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.95%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.02%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2055 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">21.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.96%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.02%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2060 Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">21.42%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.96%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.02%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Equity </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Fund — Investor </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.69%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.31%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.66%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> 500 Index </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Admiral Shares</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.04%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">17.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.38%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.78%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS Growth </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund Class 4</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research and Management </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">19.93%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">13.09%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">17.67% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Type of Fund</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Portfolio Company and</span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Current </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:156.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Average Annual Total Returns</span></div> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/25)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">5-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">10-year</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT Sustainable </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Leaders IA(5)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Advisor) </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam Investment </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management, LLC.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Subadvisers) Franklin </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisers, Inc. and Franklin </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Templeton Investment </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.98%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Growth Stock </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund — Investor Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Rowe Price Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.66%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">15.65%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.36%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.16%</span></div></div></td></tr> <tr style="height:23pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Selected Value</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.34%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">12.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.43%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Extended </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Market Index Admiral </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Shares</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.05%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.42%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.01%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Henderson Enterprise </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Instl</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Management LLC.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.72%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.67%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">12.79%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price New </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Horizons Fund – Investor </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(4)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.80%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-2.12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.51%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Mid-Cap </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Fund</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(3)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.33%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.83%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Small-Cap </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value Fund — Investor </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.22%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.70%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Small Cap Index </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Admiral Shares</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.05%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.34%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.43%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS VIT New Discovery </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Series Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">*</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(4)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.87%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">12.96%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.28%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.74%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Neuberger Genesis Fund </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisor Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Neuberger </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Berman Investment </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisers, LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">1.34%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-5.00%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.60%</span></div></div></td></tr> <tr style="height:56pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Developed Markets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Growth and </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income 1</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Research </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and Management </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.56%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">35.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.97%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.08%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Developed Markets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Overseas </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Stock Fund — Investor </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.78%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">31.80%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.36%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Developed Markets</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Developed </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Markets Index — Admiral </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Shares</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.05%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">35.17%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.11%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.71% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Type of Fund</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Portfolio Company and</span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Current </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:156.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Average Annual Total Returns</span></div> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/25)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">5-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">10-year</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Emerging Markets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Emerging </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Markets Stock </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund — Investor Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Rowe Price Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">1.23%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">32.46%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-1.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.16%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Emerging Markets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Emerging </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Markets Stock Index </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Admiral Share</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.13%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">24.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.10%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Real Estate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Global Real </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate — Investor Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Associates, </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.95%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.23%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Real Estate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Real Estate </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index Fund Admiral Shares</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">/ </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.13%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.64%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.14%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Technology</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Henderson Global </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Technology and Innovation </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund Class I</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Capital </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management LLC.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.73%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">25.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">13.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">21.48%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS US </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Securities 1</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management Company</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">1.95%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity VIP Investment </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Grade Bond Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.22%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.71%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price New Income </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund — Investor Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">*</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(2)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Associates, </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.08%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.66%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">1.72%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Total Bond </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Market Index Admiral </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Shares</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.04%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.42%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">1.99%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price International </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond Fund — Investor </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">*</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(1)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.67%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-3.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.82%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Global </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond Index</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.13%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.69%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Multi-Sector Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Spectrum </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Fund — Investor </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.61%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.11%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.00%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">High Yield Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> High-Yield </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Corporate Fund Admiral </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Shares</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.12%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.46%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.21%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.69%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Short-Term Bond</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Short-Term </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard Group, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.14%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.85%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.23%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.81% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Type of Fund</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Portfolio Company and</span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Current </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:156.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Average Annual Total Returns</span></div> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/25)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">5-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">10-year</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balanced</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Calvert VP SRI Balanced I</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Calvert Research and </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.65%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.48%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.68%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.81%</span></div></div></td></tr> <tr style="height:33pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Money Market</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Federal Money </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Market Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.11%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.22%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.20%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.14%</span></div></div></td></tr></table> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Retirement </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Fund</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span> 0.0008 0.1131 0.0382 0.0533 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2020 Fund</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span> 0.0008 0.1215 0.0477 0.0687 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2025 Fund</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span> 0.0008 0.1460 0.0590 0.0878 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2030 Fund</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span> 0.0008 0.1624 0.0683 0.0866 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2035 Fund</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span> 0.0008 0.1754 0.0771 0.0940 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2040 Fund</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span> 0.0008 0.1876 0.0857 0.1013 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2045 Fund</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span> 0.0008 0.1999 0.0941 0.1074 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2050 Fund</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span> 0.0008 0.2141 0.0995 0.1102 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2055 Fund</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc</span> 0.0008 0.2143 0.0996 0.1102 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Target </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement 2060 Fund</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span> 0.0008 0.2142 0.0996 0.1102 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Value</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Equity </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Fund — Investor </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span> 0.0069 0.1458 0.1131 0.1066 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Blend</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> 500 Index </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Admiral Shares</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span> 0.0004 0.1783 0.1438 0.1478 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS Growth </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund Class 4</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research and Management </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company</span> 0.0083 0.1993 0.1309 0.1767 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT Sustainable </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Leaders IA(5)</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Advisor) </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam Investment </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management, LLC.</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Subadvisers) Franklin </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisers, Inc. and Franklin </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Templeton Investment </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management Limited</span> 0.0063 0.1099 0.1062 0.1498 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Growth Stock </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund — Investor Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Rowe Price Associates, Inc.</span> 0.0066 0.1565 0.0936 0.1416 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Value</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Selected Value</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard Group, Inc.</span> 0.0034 0.1098 0.1201 0.1043 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Blend</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Extended </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Market Index Admiral </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Shares</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span> 0.0005 0.1142 0.0619 0.1101 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Growth</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Henderson Enterprise </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Instl</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Management LLC.</span> 0.0072 0.0767 0.0762 0.1279 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Growth</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price New </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Horizons Fund – Investor </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span> 0.0080 0.0315 -0.0212 0.1151 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Growth</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Mid-Cap </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Fund</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span> 0.0033 0.0898 0.0410 0.0983 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Value</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Small-Cap </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value Fund — Investor </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span> 0.0079 0.0822 0.0662 0.0970 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Blend</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Small Cap Index </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Admiral Shares</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span> 0.0005 0.0883 0.0734 0.1043 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Growth</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS VIT New Discovery </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Series Initial Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Services Company</span> 0.0087 0.1296 -0.0028 0.1074 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Growth</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Neuberger Genesis Fund </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisor Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Neuberger </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Berman Investment </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisers, LLC</span> 0.0134 -0.0500 0.0241 0.0860 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Developed Markets</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Growth and </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income 1</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Research </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and Management </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span> 0.0056 0.3583 0.0797 0.0808 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Developed Markets</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Overseas </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Stock Fund — Investor </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span> 0.0078 0.3180 0.0841 0.0836 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Developed Markets</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Developed </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Markets Index — Admiral </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Shares</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span> 0.0005 0.3517 0.0911 0.0871 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Emerging Markets</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Emerging </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Markets Stock </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund — Investor Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Rowe Price Associates, Inc.</span> 0.0123 0.3246 -0.0183 0.0616 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Emerging Markets</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Emerging </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Markets Stock Index </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Admiral Share</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span> 0.0013 0.2475 0.0462 0.0810 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Real Estate</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Global Real </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Estate — Investor Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Associates, </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Inc.</span> 0.0095 0.0562 0.0250 0.0323 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Real Estate</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Real Estate </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index Fund Admiral Shares</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard Group, Inc.</span> 0.0013 0.0319 0.0464 0.0514 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Technology</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Henderson Global </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Technology and Innovation </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund Class I</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Capital </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management LLC.</span> 0.0073 0.2515 0.1371 0.2148 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS US </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Securities 1</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management Company</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span> 0.0025 0.0801 0.0001 0.0195 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity VIP Investment </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Grade Bond Initial Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span> 0.0037 0.0722 0.0006 0.0271 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price New Income </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund — Investor Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Associates, </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Inc.</span> 0.0044 0.0708 -0.0066 0.0172 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Total Bond </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Market Index Admiral </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Shares</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span> 0.0004 0.0715 -0.0042 0.0199 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price International </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond Fund — Investor </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span> 0.0067 0.1012 -0.0371 0.0082 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Global </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond Index</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span> 0.0013 0.0569 -0.0041 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Multi-Sector Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Spectrum </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Fund — Investor </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span> 0.0061 0.0783 0.0211 0.0400 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">High Yield Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> High-Yield </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Corporate Fund Admiral </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Shares</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span> 0.0012 0.0946 0.0421 0.0569 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Short-Term Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Short-Term </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard Group, Inc.</span> 0.0014 0.0685 0.0223 0.0281 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balanced</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Calvert VP SRI Balanced I</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Calvert Research and </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management.</span> 0.0065 0.1148 0.0868 0.0981 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Money Market</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Federal Money </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Market Fund</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span> 0.0011 0.0422 0.0320 0.0214 <span style="color:#000000;font-family:Times New Roman;font-size:8pt;">These expenses reflect temporary fee reductions. The details about these waivers can be found in the Portfolio Company prospectus at </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;text-decoration:underline;">dfinview.com/HoraceMann/TAHD/PRPQ</span> 2026-05-01 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:37.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Fees, Expenses, and Adjustments</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Location in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Statutory</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Prospectus</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:48pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Charges or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> The Contract currently does not include any charges for withdrawals or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">surrenders from the Contract.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Contract - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Deductions and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Surrender Charges</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:34.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges?</span></div></div></td> <td colspan="4" style="border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:317pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Aside from the charges for early withdrawals described above and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">potential premium taxes, there are no charges for Contract Owner </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transactions.</span></div></div></td> <td style="padding-bottom:2pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Contract - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transactions </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:48.5pt;"> <td rowspan="10" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Ongoing </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fees and Expenses?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> The table below describes the fees and expenses that You may pay </span><span style="font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">year</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, depending on the options You choose. Please refer to Your</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract data </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">page for information about the specific fees You will pay each year based on </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the options You have elected.</span></div></div></td> <td rowspan="10" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Contract - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Deductions and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mortality and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expense Risk Fee </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(“M&amp;E Fee”)</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Contract - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Deductions and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses - Annual </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Maintenance Fee</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Additional </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Information About </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fees - Annual </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:103pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Fee</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:106pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:103pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Contract</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:106pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1.28</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1.28</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:103pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Options </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fees and Expenses)</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:106pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.13%</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> as a percentage </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">assets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.92%</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> as a percentage </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">assets</span></div></div></td></tr> <tr style="height:59pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:103pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Benefits </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Available for an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Additional Charge (For </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a Single Optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Benefit, if Elected)</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:106pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> optional benefits are </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> optional benefits are </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available.</span></div></div></td></tr> <tr style="height:70pt;"> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Because Your</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract is customizable, the choices You make affect how much </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You will pay. To help You understand the cost of owning Your</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract, the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">following table shows the lowest and highest cost You could pay </span><span style="font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">based on current charges. This estimate assumes that You do not take </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals from the Contract, </span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which could add surrender charges that </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">substantially increase costs</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">LOWEST ANNUAL COST:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:161pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">HIGHEST ANNUAL COST:</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$1,431</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:161pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$2,223</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:161pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div></td></tr> <tr style="height:118pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Least expensive combination of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Portfolio Company fees and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No additional purchase payments, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">transfers or withdrawals</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:161pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Most expensive combination of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Portfolio Company fees and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">expenses and optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No additional purchase payments, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">transfers or withdrawals</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:48pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Charges or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> The Contract currently does not include any charges for withdrawals or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">surrenders from the Contract.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Contract - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Deductions and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Surrender Charges</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:34.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Transaction </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges?</span></div></div></td> <td colspan="4" style="border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:317pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Aside from the charges for early withdrawals described above and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">potential premium taxes, there are no charges for Contract Owner </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transactions.</span></div></div></td> <td style="padding-bottom:2pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Contract - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transactions </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:48.5pt;"> <td rowspan="10" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Ongoing </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fees and Expenses?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> The table below describes the fees and expenses that You may pay </span><span style="font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">year</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, depending on the options You choose. Please refer to Your</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract data </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">page for information about the specific fees You will pay each year based on </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the options You have elected.</span></div></div></td> <td rowspan="10" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Contract - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Deductions and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mortality and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expense Risk Fee </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(“M&amp;E Fee”)</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Contract - </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Deductions and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses - Annual </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Maintenance Fee</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Additional </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Information About </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fees - Annual </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Expenses</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:103pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Fee</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:106pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:103pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Contract</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:106pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1.28</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">1.28</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">% of the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Value</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:103pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Options </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fees and Expenses)</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:106pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.13%</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> as a percentage </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">assets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">0.92%</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> as a percentage </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">of Portfolio Company </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">assets</span></div></div></td></tr> <tr style="height:59pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:103pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Benefits </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Available for an </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Additional Charge (For </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a Single Optional </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Benefit, if Elected)</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:106pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> optional benefits are </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">No</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> optional benefits are </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">available.</span></div></div></td></tr> <tr style="height:70pt;"> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Because Your</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract is customizable, the choices You make affect how much </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You will pay. To help You understand the cost of owning Your</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract, the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">following table shows the lowest and highest cost You could pay </span><span style="font-family:Times New Roman;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">based on current charges. This estimate assumes that You do not take </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals from the Contract, </span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which could add surrender charges that </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">substantially increase costs</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">LOWEST ANNUAL COST:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:161pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">HIGHEST ANNUAL COST:</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$1,431</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:161pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$2,223</span></div></div></td></tr> <tr style="height:15pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:161pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div></div></td></tr> <tr style="height:118pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:156pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Least expensive combination of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Portfolio Company fees and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No additional purchase payments, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">transfers or withdrawals</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:161pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Most expensive combination of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">Portfolio Company fees and </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">expenses and optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No sales charges</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">●</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">No additional purchase payments, </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;">transfers or withdrawals</span></div></div></td></tr></table> 0.0128 0.0128 0.0013 0.0092 0 0 1431 2223 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:9.0pt;"> </span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Risks</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:48pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is There a Risk of Loss </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">from Poor </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in this Contract, including loss of </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">principal</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investing in the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract – Risk of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loss</span></div></div></td></tr> <tr style="height:59pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is this a Short-Term </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> This Contract is not designed for short-term investing and is not </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">appropriate for an investor who needs ready access to cash.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The benefits of tax deferral also mean the Contract is more beneficial to </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investors with a long-time horizon.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investing in the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract – Not a </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Short-term </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment</span></div></div></td></tr> <tr style="height:90.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">What Are the Risks </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Associated with the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment Options?</span></div></div></td> <td colspan="4" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in this Contract is subject to the risk of poor investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance and can vary depending on the performance of the Investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options available under the Contract (e.g., Portfolio Companies).</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Each Investment Option (including any fixed account Investment Option) </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">will have its own unique risks.</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You should review these Investment Options before making an investment </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">decision.</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Principal Risks of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investing in the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract – Risks </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associated with </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Options </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;table-layout:auto;"> <tr style="height:81.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:105.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">What Are the Risks </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Related to the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance Company?</span></div></div></td> <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:317pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to Horace Mann </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Life Insurance Company (HMLIC). Any obligations (including under any </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">fixed account Investment Options), guarantees, or benefits are subject to the </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">claims-paying ability of HMLIC. More information about HMLIC, including </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">its financial strength ratings, is available upon request from HMLIC, and may </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be obtained by calling 1-800-999-1030 or visiting http://</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">www.horacemann.com/why-us/a-history-of-financial-strength.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:87.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Location in </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Statutory</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Prospectus</span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">Principal </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">Risks of Investing </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">in the Contract – </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">Insurance </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;text-decoration:underline;">Company Risks</span></div></div></td></tr></table> <span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in this Contract, including loss of </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">principal</span> <span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> This Contract is not designed for short-term investing and is not </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">appropriate for an investor who needs ready access to cash.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The benefits of tax deferral also mean the Contract is more beneficial to </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investors with a long-time horizon.</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in this Contract is subject to the risk of poor investment </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">performance and can vary depending on the performance of the Investment </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options available under the Contract (e.g., Portfolio Companies).</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Each Investment Option (including any fixed account Investment Option) </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">will have its own unique risks.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You should review these Investment Options before making an investment </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">decision.</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks related to Horace Mann </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Life Insurance Company (HMLIC). Any obligations (including under any </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">fixed account Investment Options), guarantees, or benefits are subject to the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">claims-paying ability of HMLIC. More information about HMLIC, including </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">its financial strength ratings, is available upon request from HMLIC, and may </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">be obtained by calling 1-800-999-1030 or visiting http://</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">www.horacemann.com/why-us/a-history-of-financial-strength.</span> <span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">HMLIC reserves the right to remove or substitute Underlying Funds as </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Options that are available under the Contract.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">At any time before the Contract’s Annuity Date, You may transfer amounts </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from one Subaccount to another, and to and from the fixed account of the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract, subject to certain restrictions.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">We reserve the right to restrict or terminate the transfer privilege for any </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specific Contract Owner if, in Our judgment, the Contract Owner is using the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract for the purposes of market timing or for any other purpose that We, </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">in Our sole discretion determine to be potentially detrimental to other </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">shareholders of a Portfolio Company.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If HMLIC determines that You are engaging in a pattern of transfers that </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reflects a market timing strategy or is potentially harmful to other Contract </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Owners, it will notify You in writing of any restrictions.</span> <span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">optional benefits are available.</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">An investor should consult with a tax professional to determine the tax </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">implications of an investment in and purchase payments received under the </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract. Generally, all or a portion of any distribution from a Non-Qualified </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract will be taxable as ordinary income and may be subject to an early </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">distribution penalty tax.</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Some investment professionals may receive compensation for selling a contract </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">to investors. This compensation is typically paid in the form of commissions, </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">but the sale of the Contract may also count toward the investment </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">professional’s qualification for receipt of cash and non-cash compensation </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">related to sales incentives or contests. These investment professionals may have </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">a financial incentive to offer or recommend the Contract over another </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investment.</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Some investment professionals may have a financial incentive to offer an </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investor a new contract in place of the one he or she already owns. That </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">investor should only exchange his or her existing Contract if he or she </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">determines, after comparing the features, fees, and risks of both contracts, that </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">it is preferable for him or her to purchase the new Contract rather than </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">continue to own the existing contract.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Fees</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:2pt;margin-left:0%;margin-top:1.0pt;position:relative;text-align:left;top:-2pt;width:510pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">The following tables describe the fees and expenses that </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You will pay when buying, owning, and surrendering or making </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">withdrawals from the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Contract. Please refer to Your</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Contract data page for information about the specific fees You will pay each year based on the options You have elected. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">The first table describes the fees and expenses that </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You will pay at the time that You buy the Contract, surrender or make </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">withdrawals from the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Contract, or transfer Account Value between Investment Options. State premium taxes may also be deducted. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Transaction Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:438.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Sales Load Imposed on Purchases (as a percentage of purchase payments)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:29.6pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:21.6pt;"> <div style="display:flex;margin:auto;width:23.6pt;"> <div style="display:flex;white-space:nowrap;width:23.6pt;"><span style="font-family:Times New Roman;font-size:10pt;">None</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:438.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Deferred Sales Load (or Surrender Charge) (as a percentage of amount surrendered)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:29.6pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:21.6pt;"> <div style="display:flex;margin:auto;width:23.6pt;"> <div style="display:flex;white-space:nowrap;width:23.6pt;"><span style="font-family:Times New Roman;font-size:10pt;">None</span></div></div></div></td></tr> <tr style="height:11pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;width:438.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transfer Fee</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:29.6pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:21.6pt;"> <div style="display:flex;margin:auto;width:23.6pt;"> <div style="display:flex;white-space:nowrap;width:23.6pt;"><span style="font-family:Times New Roman;font-size:10pt;">None</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">The next table describes the fees and expenses that </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">You will pay </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;">each year</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> during the time that You own the Contract (not including Portfolio Company fees and expenses). </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Annual Contract Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:421.65pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Expenses </span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:46.35pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:38.35pt;"> <div style="display:flex;margin:auto;width:40.35pt;"> <div style="display:flex;white-space:nowrap;width:40.35pt;"><span style="font-family:Times New Roman;font-size:10pt;">$</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:7.5pt;">35</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="font-family:Times New Roman;font-size:6.5pt;position:relative;top:-2.75pt;">(2)</span> <div style="clear:right;"> </div></div></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:421.65pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Contract Expenses (as a percentage of average Variable Account Value or Contract Account Value))</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:46.35pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:38.35pt;"> <div style="display:flex;margin:auto;width:40.35pt;"> <div style="display:flex;white-space:nowrap;width:40.35pt;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:12.41pt;">1.25</span><span style="font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:421.65pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Benefit Expenses (as a percentage of benefit base or other (e.g., average Account Value))</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:46.35pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:38.35pt;"> <div style="display:flex;margin:auto;width:40.35pt;"> <div style="display:flex;white-space:nowrap;width:40.35pt;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:5.17pt;">N/A</span></div></div></div></td></tr> <tr style="height:11pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;width:421.65pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Interest</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;width:46.35pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:1pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">8</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">We sometimes use multiple Contract numbers, with the same first nine digits in the numbers, to segregate multiple sources of funds for a Contract Owner, such as employee versus employer. In these situations, We will deduct only one annual maintenance fee per year for those multiple Contract numbers. We reserve the right to change the annual maintenance fee for Contracts issued in the future. </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">For Contracts issued on and After May 1, 2019.</span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">The next item shows the minimum and maximum total operating expenses charged by the </span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Portfolio Companies that You </span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">may pay periodically during the time that </span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">You own the Contract. Expenses shown may change over time and may be higher </span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">or lower in the future. These amounts also include applicable platform charges if you choose to invest in certain Portfolio Companies.</span><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;"> A complete list of Portfolio Companies available under the Contract, including their annual expenses, may be found at the back of this document.</span><span style="font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:14.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:366.66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0.41%;margin-right:1.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Portfolio Company Expenses</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:50.85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.85%;margin-right:8.85%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.91%;margin-right:2.97%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div></div></div></td></tr> <tr style="height:23.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;width:366.66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio Company assets, including management fees, </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:50.85pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:41.85pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="font-family:Times New Roman;font-size:10pt;">0.13%</span></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:50.5pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:42.5pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="font-family:Times New Roman;font-size:10pt;">0.92%</span></div></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Transaction Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:438.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Sales Load Imposed on Purchases (as a percentage of purchase payments)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:29.6pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:21.6pt;"> <div style="display:flex;margin:auto;width:23.6pt;"> <div style="display:flex;white-space:nowrap;width:23.6pt;"><span style="font-family:Times New Roman;font-size:10pt;">None</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:438.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Deferred Sales Load (or Surrender Charge) (as a percentage of amount surrendered)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:29.6pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:21.6pt;"> <div style="display:flex;margin:auto;width:23.6pt;"> <div style="display:flex;white-space:nowrap;width:23.6pt;"><span style="font-family:Times New Roman;font-size:10pt;">None</span></div></div></div></td></tr> <tr style="height:11pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;width:438.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Transfer Fee</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:29.6pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:21.6pt;"> <div style="display:flex;margin:auto;width:23.6pt;"> <div style="display:flex;white-space:nowrap;width:23.6pt;"><span style="font-family:Times New Roman;font-size:10pt;">None</span></div></div></div></td></tr></table> 0 0 0 <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Annual Contract Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:421.65pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Administrative Expenses </span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(1)</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:46.35pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:38.35pt;"> <div style="display:flex;margin:auto;width:40.35pt;"> <div style="display:flex;white-space:nowrap;width:40.35pt;"><span style="font-family:Times New Roman;font-size:10pt;">$</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:7.5pt;">35</span><span style="font-family:Times New Roman;font-size:10pt;line-height:11pt;"> </span><span style="font-family:Times New Roman;font-size:6.5pt;position:relative;top:-2.75pt;">(2)</span> <div style="clear:right;"> </div></div></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:421.65pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Base Contract Expenses (as a percentage of average Variable Account Value or Contract Account Value))</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:46.35pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:38.35pt;"> <div style="display:flex;margin:auto;width:40.35pt;"> <div style="display:flex;white-space:nowrap;width:40.35pt;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:12.41pt;">1.25</span><span style="font-family:Times New Roman;font-size:10pt;">%</span></div></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:421.65pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Optional Benefit Expenses (as a percentage of benefit base or other (e.g., average Account Value))</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:46.35pt;"> <div style="line-height:12.0pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:38.35pt;"> <div style="display:flex;margin:auto;width:40.35pt;"> <div style="display:flex;white-space:nowrap;width:40.35pt;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:5.17pt;">N/A</span></div></div></div></td></tr> <tr style="height:11pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;width:421.65pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Loan Interest</span></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;width:46.35pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:1pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">8</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">We sometimes use multiple Contract numbers, with the same first nine digits in the numbers, to segregate multiple sources of funds for a Contract Owner, such as employee versus employer. In these situations, We will deduct only one annual maintenance fee per year for those multiple Contract numbers. We reserve the right to change the annual maintenance fee for Contracts issued in the future. </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">For Contracts issued on and After May 1, 2019.</span> 35 0.0125 0.08 <span style="color:#000000;font-family:Times New Roman;font-size:8pt;">We sometimes use multiple Contract numbers, with the same first nine digits in the numbers, to segregate multiple sources of funds for a Contract Owner, such as employee versus employer. In these situations, We will deduct only one annual maintenance fee per year for those multiple Contract numbers. We reserve the right to change the annual maintenance fee for Contracts issued in the future. </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">For Contracts issued on and After May 1, 2019.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:14.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:366.66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:0.41%;margin-right:1.23%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Annual Portfolio Company Expenses</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:50.85pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.85%;margin-right:8.85%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Minimum</span></div></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:50.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:8.91%;margin-right:2.97%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum</span></div></div></div></td></tr> <tr style="height:23.25pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;width:366.66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio Company assets, including management fees, </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:50.85pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:41.85pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="font-family:Times New Roman;font-size:10pt;">0.13%</span></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.25pt;vertical-align:Bottom;white-space:nowrap;width:50.5pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:42.5pt;"> <div style="display:flex;margin:auto;width:27.94pt;"> <div style="display:flex;white-space:nowrap;width:27.94pt;"><span style="font-family:Times New Roman;font-size:10pt;">0.92%</span></div></div></div></td></tr></table> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Portfolio Company assets, including management fees, </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">distribution and/or service (12b-1) fees, and other expenses)</span> 0.0013 0.0092 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:13pt;"> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:257pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You surrender Your Contract at the end of the applicable time </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">period:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3 years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5 years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:1pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10 years</span></div></div></td></tr> <tr style="height:11pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:53pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:44pt;"> <div style="display:flex;margin:auto;width:29.5pt;"> <div style="display:flex;white-space:nowrap;width:29.5pt;"><span style="font-family:Times New Roman;font-size:10pt;">$2,223</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:53pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:44pt;"> <div style="display:flex;margin:auto;width:29.5pt;"> <div style="display:flex;white-space:nowrap;width:29.5pt;"><span style="font-family:Times New Roman;font-size:10pt;">$6,848</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:53pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:44pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Times New Roman;font-size:10pt;">$11,726</span></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:52pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:44pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Times New Roman;font-size:10pt;">$25,114</span></div></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:468pt;"> <tr style="height:13pt;"> <td rowspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:257pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You surrender Your Contract at the end of the applicable time </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:10.0pt;">period:</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3 years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:53pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:2.25pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5 years</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.25pt;margin-right:1pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10 years</span></div></div></td></tr> <tr style="height:11pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:53pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:44pt;"> <div style="display:flex;margin:auto;width:29.5pt;"> <div style="display:flex;white-space:nowrap;width:29.5pt;"><span style="font-family:Times New Roman;font-size:10pt;">$2,213</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:53pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:44pt;"> <div style="display:flex;margin:auto;width:29.5pt;"> <div style="display:flex;white-space:nowrap;width:29.5pt;"><span style="font-family:Times New Roman;font-size:10pt;">$6,819</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:53pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:44pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Times New Roman;font-size:10pt;">$11,678</span></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.375pt;vertical-align:Bottom;white-space:nowrap;width:52pt;"> <div style="line-height:11pt;margin-left:4.5pt;margin-right:1.5pt;text-align:right;width:44pt;"> <div style="display:flex;margin:auto;width:34.5pt;"> <div style="display:flex;white-space:nowrap;width:34.5pt;"><span style="font-family:Times New Roman;font-size:10pt;">$25,025</span></div></div></div></td></tr></table> 2223 6848 11726 25114 2213 6819 11678 25025 <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Benefits Available Under the Contract</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:2pt;margin-left:0%;margin-top:1.0pt;position:relative;text-align:left;top:-2pt;width:510pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The following table summarizes information about the benefits available under the Contract.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:37.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:159.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die before the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Annuity Date and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Contract is in </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">force, pays Your </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">designated </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">greater of: (1) the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Value; or (2) </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Net Premium paid, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">less an adjustment for </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any withdrawals and a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduction for any </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loan </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">balance.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td></tr> <tr style="height:114pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Rebalancing</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rebalances the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Options </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select (either </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarterly, semiannually </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or annually) to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">maintain Your chosen </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">mix of Investment </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar cost averaging </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span></div></div></td></tr> <tr style="height:47.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dollar Cost Averaging</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfers a specific </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of money from </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Investment Options</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">portfolio rebalancing </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:37.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:78.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You have selected, at </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">set intervals over a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specific period of time.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span></div></div></td></tr> <tr style="height:135.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Systematic </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdraws money </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(either monthly, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarterly, semi-</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">annually or annually) </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from the Investment </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The amount of the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals are </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">determined by the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">systematic withdrawal </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option You select.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar cost averaging </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Buying the Contract</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:2pt;margin-left:0%;margin-top:1.0pt;position:relative;text-align:left;top:-2pt;width:510pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">How Do I Purchase the Personal Retirement Planner Non-Qualified Variable Annuity Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">? </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">To purchase a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract, You must complete an application bearing all requested signatures and a client profile form, in those instances when the purchase of this product was the result of a recommendation. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">How Much Can I Contribute and How are My Contributions Invested? </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your premium payments will be invested in the Investment Options that You choose.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:15.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:255pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:255pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Non-Qualified Policies (Purchased using after-tax dollars)</span></div></div></td></tr> <tr style="height:16.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Minimum Initial Annual Premium</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:255pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$300 annually</span></div></div></td></tr> <tr style="height:19pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:255pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Minimum Subsequent Annual Premiums</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:255pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$300 annually</span></div></div></td></tr> <tr style="height:30pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:255pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Maximum Subsequent Premiums (per Contract Year after 1st </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract Anniversary)</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:255pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">As permitted by IRS regulations</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:255pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Maximum Total Premiums</span></div></div></td> <td style="padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:255pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">$1,000,000 without Our prior approval</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:8pt;margin-left:0%;">* For Non-Qualified Contracts, We reserve the right to reject any premium payments for any reason. We may also permit You to invest more than the maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">amounts listed above if You obtain Our prior approval. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">After Your initial premium payment, You are not required to make any additional premium payments under Your</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Will Any Premium Payments that I Make be Credited to My Account? </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">Net Premium</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> payments allocated to the Separate Account will be applied at the applicable Accumulation Unit Value determined on </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Valuation Date following receipt in good form (sufficiently clear so that We do not need to exercise any discretion to follow such </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">instructions). The minimum premium payment for the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract is $25 per month or $300 per year. HMLIC limits the maximum </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">cumulative premium to $1 million without </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Our prior approval. After the first Contract Year, We reserve the right to limit premium payments to a maximum of $30,000 each Contract Year. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">If a registered representative recommended and completed the application and associated forms, the appropriate broker-dealer has approved the suitability and best interest of the sale, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Your application is complete and Your initial premium payment has been </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">received at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Our</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Home Office, We will issue Your</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract within two business days of its receipt, and credit Your initial Net Premium to Your</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">If an incomplete application is received, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">HMLIC will promptly request additional information needed to process the application. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">Any initial premium payment received by </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">HMLIC will be held in a suspense account, without interest, for a period not exceeding </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">five business days unless otherwise directed by the applicant. If the necessary information is not received within these five business </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">days HMLIC will return any initial premium payment received by HMLIC, unless otherwise directed by the applicant. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0%;">Allocation of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Net Premiums</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—When </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">You complete Your application, You will give Us instructions on how to allocate Your</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Net </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">Premium</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> payments among the fixed account and/or the available Subaccounts. The amount You direct to a particular Subaccount or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">to the fixed account must be in whole number percentages from 5% to 100% of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Net Premium payment. If You make additional </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">premium payments, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will allocate the Net Premiums in the same manner as Your initial Net Premium payment. A request to change the allocation of premium payments will be effective on the Valuation Date of receipt of the request in good form. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">Premium payments allocated to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Separate Account are credited on the basis of Accumulation Unit Value. The number of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">Accumulation Units</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> purchased by Your premium payments is determined by dividing the dollar amount credited to each </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">Subaccount</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> by the applicable Accumulation Unit Value next determined following receipt of the payment at Our</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Home Office. The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">value of an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Accumulation Unit is affected by the investment experience of the Portfolio Company, expenses and the deduction of certain charges under the Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">Accumulation Units</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> are valued on each Valuation Date. If We receive Your premium payment before 3:00 p.m. Central Time (or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">before the close of the NYSE, if earlier), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will process the order using the applicable Subaccount</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Accumulation Unit Value </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">determined at the close of that </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Valuation Date. If We receive Your premium payment at or after 3:00 p.m. Central Time (or at or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0%;">after the close of the NYSE if earlier), </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">We will process the order using the applicable Subaccount</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Accumulation Unit Value determined at the close of the next Valuation Date.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:37.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:159.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die before the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Annuity Date and </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Contract is in </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">force, pays Your </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">designated </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">greater of: (1) the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Value; or (2) </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Net Premium paid, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">less an adjustment for </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any withdrawals and a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduction for any </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loan </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">balance.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td></tr> <tr style="height:114pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Rebalancing</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rebalances the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Options </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select (either </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarterly, semiannually </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or annually) to </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">maintain Your chosen </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">mix of Investment </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar cost averaging </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span></div></div></td></tr> <tr style="height:47.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dollar Cost Averaging</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfers a specific </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of money from </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Investment Options</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">portfolio rebalancing </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option. </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:37.25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Name of benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Is Benefit Standard </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">or Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Maximum Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Bottom;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Brief Description of </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Restrictions/</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Limitations</span></div></div></td></tr> <tr style="height:78.75pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You have selected, at </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">set intervals over a </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specific period of time.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:1.25pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;margin-top:9pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span></div></div></td></tr> <tr style="height:135.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Systematic </span></div> <div style="margin-left:3pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdraws money </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(either monthly, </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarterly, semi-</span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">annually or annually) </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from the Investment </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select. </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The amount of the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals are </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">determined by the </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">systematic withdrawal </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option You select.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:102.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:2pt;padding-top:3.125pt;vertical-align:Top;width:101.4pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar cost averaging </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span></div> <div style="margin-left:4.25pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If You die before the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Annuity Date and </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">while the Contract is in </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">force, pays Your </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">designated </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">beneficiaries the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">greater of: (1) the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Account Value; or (2) </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Net Premium paid, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">less an adjustment for </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">any withdrawals and a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">reduction for any </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">outstanding loan </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">balance.</span> true 0 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">None</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Rebalancing</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">rebalances the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Options </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select (either </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarterly, semiannually </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">or annually) to </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">maintain Your chosen </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">mix of Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options.</span> true 0 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar cost averaging </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dollar Cost Averaging</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">transfers a specific </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">amount of money from </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the Investment Options</span> true 0 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">portfolio rebalancing </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You have selected, at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">set intervals over a </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">specific period of time.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Systematic </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Withdrawals</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Automatically </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdraws money </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(either monthly, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">quarterly, semi-</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">annually or annually) </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">from the Investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">You select. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The amount of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">withdrawals are </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">determined by the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">systematic withdrawal </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option You select.</span> true 0 <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cannot use with the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">dollar cost averaging </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Only available during </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accumulation </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">phase.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Subject to portfolio </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">restrictions.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Principal Risks of Investing in the Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Risk of Loss</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">The Contract involves investment risk, including the loss of the principal amount invested.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Not a Short-term Investment</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">The Contract is not suitable as a short-term savings vehicle. It is designed for individuals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">seeking long-term, tax-deferred accumulation of funds.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Risks Associated with Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">There can be no guarantee, and no representation is made, that the investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">results of any of the Underlying Funds will be comparable to the investment results of any other mutual fund, even if the other mutual fund has the same investment adviser or manager. Past performance does not guarantee how the Underlying Funds will perform in the future. Your investments in Underlying Funds will fluctuate and You could lose money.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Insurance Company Risks</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">An investment in the Contract is subject to the risks related to Horace Mann Life Insurance </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Company (HMLIC). Any obligations (including under any fixed account Investment Options), guarantees, or benefits are subject to the claims-paying ability of HMLIC. More information about HMLIC, including its financial strength ratings, is available upon request from HMLIC, and may be obtained by calling 1-800-999-1030 or visiting http://www.horacemann.com/why-us/a-history-of-financial-strength.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Limitation on Access to Cash Value Through Withdrawals</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">Unless restricted by the IRC, You may at any time before the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annuity Date surrender Your Contract in whole or withdraw in part for cash. You may have to pay federal income taxes and an additional tax (penalty tax) if You surrender or make a withdrawal from Your Contract. The IRC provides an additional tax (penalty tax) for early distributions under annuity contracts . </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Premium payments made to Non-Qualified Contracts are not deductible from current taxable income. Investment earnings </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">credited to the Contract Owner’s account are generally not subject to current income tax until such amounts are distributed as defined by the IRC. However, certain assignments or pledges of a Contract may be treated as distributions and accelerate the taxability of investment earnings. Although tax consequences may vary depending on the payout option elected under the Contract, some or all of each Annuity Payment is generally taxed as ordinary income, while a portion may not be taxed. The determination of the amount of each Annuity payment that is subject to current income tax depends upon the type of Contract and Your particular circumstances.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Significant Events</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—We are also exposed to risks related to natural and man-made disasters and catastrophes, such as storms, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">fires, floods, earthquakes, epidemics, pandemics, malicious acts, and terrorist acts, which could adversely affect Our ability to conduct business. The risk of cyber-attacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments). A natural or man-made disaster or catastrophe, including a pandemic (such as COVID-19), could affect the ability, or willingness, of Our workforce and employees of service providers and third party administrators to perform their job responsibilities. Even if Our workforce and employees of Our service providers and third party administrators were able to work remotely, those remote work arrangements could result in Our business operations being less efficient than under normal circumstances and lead to delays in Our issuing Contracts and processing of other Contract-related transactions, including orders from Contract Owners. Catastrophic events may negatively affect the computer and other systems on which We rely and may interfere with Our ability to receive, pickup and process mail, Our processing of Contract-related transactions, impact Our ability to calculate Contract value, or have other possible negative impacts. These events may also impact the issuers of securities in which the Portfolio Companies invest, which may cause the Portfolio Companies underlying Your Contract to lose value. There can be no assurance that We, the Portfolio Companies or Our service providers will avoid losses affecting Your Contract due to a natural disaster or catastrophe.</span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Risk of Loss</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">The Contract involves investment risk, including the loss of the principal amount invested.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Not a Short-term Investment</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">The Contract is not suitable as a short-term savings vehicle. It is designed for individuals </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">seeking long-term, tax-deferred accumulation of funds.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Risks Associated with Investment Options</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">There can be no guarantee, and no representation is made, that the investment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">results of any of the Underlying Funds will be comparable to the investment results of any other mutual fund, even if the other mutual fund has the same investment adviser or manager. Past performance does not guarantee how the Underlying Funds will perform in the future. Your investments in Underlying Funds will fluctuate and You could lose money.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Insurance Company Risks</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">An investment in the Contract is subject to the risks related to Horace Mann Life Insurance </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Company (HMLIC). Any obligations (including under any fixed account Investment Options), guarantees, or benefits are subject to the claims-paying ability of HMLIC. More information about HMLIC, including its financial strength ratings, is available upon request from HMLIC, and may be obtained by calling 1-800-999-1030 or visiting http://www.horacemann.com/why-us/a-history-of-financial-strength.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Limitation on Access to Cash Value Through Withdrawals</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:2.5pt;">—</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">Unless restricted by the IRC, You may at any time before the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annuity Date surrender Your Contract in whole or withdraw in part for cash. You may have to pay federal income taxes and an additional tax (penalty tax) if You surrender or make a withdrawal from Your Contract. The IRC provides an additional tax (penalty tax) for early distributions under annuity contracts . </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Premium payments made to Non-Qualified Contracts are not deductible from current taxable income. Investment earnings </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">credited to the Contract Owner’s account are generally not subject to current income tax until such amounts are distributed as defined by the IRC. However, certain assignments or pledges of a Contract may be treated as distributions and accelerate the taxability of investment earnings. Although tax consequences may vary depending on the payout option elected under the Contract, some or all of each Annuity Payment is generally taxed as ordinary income, while a portion may not be taxed. The determination of the amount of each Annuity payment that is subject to current income tax depends upon the type of Contract and Your particular circumstances.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Significant Events</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—We are also exposed to risks related to natural and man-made disasters and catastrophes, such as storms, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">fires, floods, earthquakes, epidemics, pandemics, malicious acts, and terrorist acts, which could adversely affect Our ability to conduct business. The risk of cyber-attacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments). A natural or man-made disaster or catastrophe, including a pandemic (such as COVID-19), could affect the ability, or willingness, of Our workforce and employees of service providers and third party administrators to perform their job responsibilities. Even if Our workforce and employees of Our service providers and third party administrators were able to work remotely, those remote work arrangements could result in Our business operations being less efficient than under normal circumstances and lead to delays in Our issuing Contracts and processing of other Contract-related transactions, including orders from Contract Owners. Catastrophic events may negatively affect the computer and other systems on which We rely and may interfere with Our ability to receive, pickup and process mail, Our processing of Contract-related transactions, impact Our ability to calculate Contract value, or have other possible negative impacts. These events may also impact the issuers of securities in which the Portfolio Companies invest, which may cause the Portfolio Companies underlying Your Contract to lose value. There can be no assurance that We, the Portfolio Companies or Our service providers will avoid losses affecting Your Contract due to a natural disaster or catastrophe.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Death Benefit</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Death Benefit Proceeds </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">If a Contract Owner dies (or the sole Annuitant dies and the sole Contract Owner is not a natural person) before the Annuity </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Date and while the Contract is in force, We will pay a death benefit to the beneficiary designated by the Contract Owner. The death benefit ends at the Annuity Date. The death benefit is determined for each beneficiary as of the date Proof of Death is received by HMLIC from such beneficiary. Proof of Death includes a certified death certificate or other satisfactory evidence of death, a completed claimant’s statement and any additional forms, documentation, and written payment instructions necessary to process a death benefit claim, in a form satisfactory to Us. Where there are multiple beneficiaries, only one certified death certificate will be required. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The beneficiary will receive the greater of: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">1.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Account Value; or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">2.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">the Net Premium paid, less an adjustment for any withdrawals and a reduction for any outstanding loan balance (An adjustment for any withdrawal is determined by dividing the withdrawal amount by the Account Value immediately prior to the withdrawal and multiplying the resulting fraction by the death benefit immediately prior to the withdrawal.) </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">At the option of the beneficiary, We will pay all or part of the death benefit proceeds to the beneficiary under one of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annuity Payment options described under “The Contract</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—Annuity Payment Options.” If the form of Annuity Payment selected </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">requires that payment be made by HMLIC after the death of the beneficiary, payments will be made to his/her designated beneficiary. Any part of a Contract Owner’s interest payable to a minor child will be paid to the child’s legal guardian for the benefit of the child. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Every state has unclaimed property laws which generally declare annuity contracts to be abandoned after a period of inactivity </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">of 3 to 5 years from the contract’s maturity date or date the death benefit is due and payable. For example, if the payment of a death benefit has been triggered, but after a thorough search We are not able to locate the beneficiary, or the beneficiary does not claim the death benefit in a timely manner, the death benefit will be paid to the unclaimed property office of the state in which the beneficiary or the Contract Owner last resided, as shown on Our books and records, or to Our state of domicile. This “escheatment” is revocable, however, and the state is obligated to pay the death benefit or Contract proceeds if the beneficiary or owner of the property presents a timely claim with the proper documentation to the applicable state. To help prevent such escheatment, it is important that You keep Your desired beneficiary designations up to date, including full names and complete addresses, if and as they change.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Annuity Payments</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The Annuity Date may be any date prior to the Annuitant’s 100</span><span style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-2.75pt;">th</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> birthday. The Contract provides for fixed Annuity Payment options. The Contract Owner may elect to have Annuity Payments made under any one or more of the options described below or may elect a lump sum payment. To begin receiving Annuity Payments You must submit a request in good form to Our Home Office. In general, the amount of Your Annuity Payment will be determined by the total Account Value applied to the option, the form of payment selected, the timing of the purchase and the applicable annuity purchase rate. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The Contract Owner may elect to have a portion of the Account Value applied to purchase Annuity Payments, leaving the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">remainder of the Account Value in the Contract. The portion of the Account Value applied to purchase Annuity Payments will be treated as a withdrawal for purposes of determining any death benefit. If the selected Annuity Payment option allows withdrawals, any withdrawal made may have tax consequences, and may affect any subsequent Annuity Payments. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">We will process the request so that the Annuity Payments begin as of the date requested except the 29th, 30th or 31st of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">month. We will transfer Your Variable Account Value to the fixed account on the Valuation Date Your request is received in good form at Our Home Office. Your Net Premium allocation(s) will be changed to the fixed account. Generally, at the time an Annuity Payment option is selected, a Contract Owner must elect whether to have federal and state income taxes withheld. (See “Other Information</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—Forms Availability” and “Tax Consequences.”) </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">In general, the longer Annuity Payments are guaranteed, the lower the amount of each payment. Annuity Payments remain </span><span style="font-family:Times New Roman;font-size:10pt;">level throughout the payout period, except in the case of certain joint and survivor Annuity Payment options and Annuity Payment options with an Increase option (as described below), and are paid in monthly, quarterly, semiannual, and annual installments. Payments are made at the beginning of the selected time period, and less frequent payments will result in a lower total amount of payments during an annual period than the total amount of payments that would be made during the same year for more frequent payments. An annual installment payment will result in the lowest total amount of payments during the year because it is paid entirely at the beginning of the year. If the Annuitized Value to be applied under any one Annuity Payment option is less than $2,000 or if the option chosen would provide Annuity Payments of less than $20 per month at the Annuity Date, then the Annuitized Value may be paid in a lump sum. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Certain of the Annuity Payment options available under a Contract can be selected with an Increase option or a Refund at </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Death option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">These optional features must be selected at the time You elect an Annuity Payment option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">if an </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Increase option</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> is selected, Annuity Payments will increase on each anniversary of the Annuity Date based on the increase percentage selected (1%, 2%, 3%, 4% or 5%). If You select an Increase option, then Your initial Annuity Payment (to which the increase percentage selected will apply) will be lower than the Annuity Payment You would receive under the Annuity Payment option </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;">without</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> the Increase option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">●</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Cash Refund at Death option</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> pays You, upon the Annuitant’s death, the difference between the Annuitized Value and the Annuity Payments made to date. The </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;text-decoration:underline;">Installment Refund at Death option</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;"> will, upon the death of the Annuitant(s), continue Annuity Payments until total Annuity Payments made equal the Annuitized Value. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The death benefit ends upon full annuitization of the Contract.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Annuity Payment Options </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Before Your Annuity Date, You may select one of the following Annuity Payment options that We currently make available, </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">and will continue to make available for the duration of Your Contract. We reserve the right to make other Annuity Payment options available under the Contract. If We do not receive written election of an Annuity Payment option from You at Our Home Office before the Annuity Date, the Annuity Payment option will be Life Annuity with Payments Guaranteed for 10 Years. Annuity Payments will be paid in monthly installments. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Life Annuity with Payments Guaranteed for Life Only, 10, 15, or 20 Years</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—Annuity Payments are made to the Contract </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Owner beginning with the Annuity Date. The Annuity Payments will be based upon the number of guaranteed payments selected, and the age and sex of the Annuitant on the Annuity Date. Payments for this Annuity Payment option will continue as long as the Annuitant lives, or until all guaranteed payments have been made, whichever is later. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Under the Life Annuity with Payments Guaranteed for Life Only option, it is possible that only one Annuity Payment will be </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">made if the Annuitant’s death occurs before the scheduled date of the second Annuity Payment. With the Life Annuity with Payments Guaranteed for Life Only, You may elect an Increase option or the Installment Refund at Death option or the Cash Refund at Death Option. With a Life Annuity with Payments Guaranteed for 10, 15, or 20 Years, You may elect an Increase option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Guaranteed Annuity Payments cannot extend beyond the life expectancy of the Annuitant, as defined by the IRC. If the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract Owner dies before all Annuity Payments have been made, the remaining Annuity Payments will be paid to the Beneficiary(ies). </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">If the Annuitant dies before all guaranteed Annuity Payments have been made, the remaining guaranteed Annuity Payments </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">will be paid to the Contract Owner, if living, otherwise to the Beneficiary(ies). </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">After the Annuity Date, this Annuity Payment option cannot be changed and withdrawals cannot be made. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Payments for a Specified Period</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—Annuity Payments are made to the Contract Owner beginning with the Annuity Date </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">and continue for the specified period of time as elected. The specified period can be as short as ten years or as long as 30 years. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Annuity Payments cannot extend beyond the life expectancy of the Annuitant, as defined by the IRC. If the Contract Owner </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">dies before all Annuity Payments have been made, the remaining Annuity Payments will be paid to the Beneficiary(ies) for the remainder of the specified period. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">If the Annuitant dies before all Annuity Payments have been made, the remaining Annuity Payments will be paid to the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract Owner, if living, otherwise to the Beneficiary(ies) for the remainder of the specified period. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">Withdrawals are not allowed under this option. You may add an Increase option to this Annuity Payment option, and after the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Annuity Date, You cannot change the Annuity Payment option. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Joint and Survivor Annuity</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—Payments are made to the Contract Owner beginning with the Annuity Date. The Annuity </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Payments will be based upon the specific survivor option selected, and the age and sex of the two Annuitants on the Annuity Date. </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The available survivor options are to pay during the lifetime of the survivor (1) 50%, (2) 66</span><span style="font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;"> 2</span><span style="font-family:Times New Roman;font-size:10pt;">∕</span><span style="font-family:Times New Roman;font-size:6pt;">3</span><span style="font-family:Times New Roman;font-size:10pt;">%, or (3) 100% of the Annuity Payments paid while both Annuitants were living. Upon the death of one Annuitant, the selected survivor option percentage will be applied to determine the remaining payments during the lifetime of the survivor. Upon the death of the survivor, Annuity Payments cease. If the Contract Owner dies while at least one Annuitant is living, the remaining Annuity Payments will be paid to the Beneficiary(ies). After the Annuity Date, this Annuity Payment option cannot be changed and withdrawals cannot be made. With the Joint and Survivor Annuity, You may elect an Increase option. With the Joint and 100% Survivor Annuity, You may elect an Increase option or the Installment Refund at Death option or the Cash Refund at Death Option.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Other Payout Options </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">— If the Contract Owner does not wish to elect one or more of the Annuity Payment options </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">described above, the Contract Owner may: </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">a.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">receive the proceeds in a lump sum less any applicable surrender charges, or </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">b.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">elect any other payout option that HMLIC makes available.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Amount of Annuity Payments</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Annuitized Value will be applied to purchase the Annuity Payment option You select.</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.12%;">Fixed Annuity Payments</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:2.5pt;">—Except in the case of certain joint and survivor Annuity Payment options and Annuity Payment </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">options with an Increase option (as described above), the amount of each Fixed Annuity Payment will not change. Higher Annuity Payments may be made at the sole discretion of HMLIC.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Misstatement of Age or Gender (if a Gender-Specific Contract has been Issued) </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">If any age or gender (if a gender-specific contract has been issued) has been misstated, We will pay Annuity Payments in the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">amount which would have been paid at the correct age and gender (if a gender-specific contract has been issued). We will deduct any overpayments We have made, including interest of 5 percent per year, from future payments. We will pay any under payments, including interest of 5 percent per year, in a lump sum to the Contract Owner if living, otherwise to the beneficiary(ies).</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">The Fixed Account </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The fixed account is part of HMLIC’s general account. We use general account assets to support Our insurance and annuity </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">obligations (death benefits and Annuity Payments) other than those funded by separate accounts. Unlike the Separate Account, the general account isn’t segregated or insulated from claims of HMLIC’s creditors. You must depend on the financial strength and claims paying ability of HMLIC for satisfaction of HMLIC’s obligations under the Contract. Subject to applicable law, HMLIC has sole discretion over the investment of the assets of the fixed account. We begin crediting interest to any Net Premium received and allocated to the fixed account after the initial Net Premium, from the date We receive the Net Premium in Our Home Office. HMLIC bears the full investment risk for all amounts contributed to the fixed account. HMLIC guarantees that the amounts allocated to the fixed account under the Contracts will be credited interest daily at an annual effective interest rate as specified in Your Contract. We will determine any interest rate credited in excess of the guaranteed rate at Our sole discretion. For additional information about the fixed account, see Your Contract. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The fixed account guaranteed interest rate is determined on the Issue Date and will be redetermined at the time periods shown </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">on the Contract data pages. For purposes of redetermining the fixed account guaranteed interest rate, We divide each calendar year into two predetermined periods, January-June and July-December. Each Contract Anniversary that allows for the redetermination of the fixed account guaranteed interest rate will fall within a predetermined six-month period. All Contracts with such Contract Anniversaries occurring in the same predetermined six-month period, will have the same fixed account guaranteed interest rate. The fixed account guaranteed interest rate for each predetermined period will be at least as great as the lesser of 3 percent and the average of the five-year Constant Maturity Treasury Rate (CMT) over the six-month period beginning 9 months prior to the beginning of the predetermined period, rounded to the nearest 1/20th of one percent, reduced by 125 basis points; but not less than the rate prescribed in the law of the state where the policy is delivered or issued for delivery. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">The fixed account has not been registered with the Securities and Exchange Commission.</span> <span style="font-family:Arial;font-size:12pt;font-weight:bold;">Appendix A: Investment Options Available Under the Contract</span> <hr style="background-color:#000000;height:0.5pt;margin-bottom:2pt;margin-left:0%;margin-top:1.0pt;text-align:left;top:12pt;width:510pt;"/><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The following is a list of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at dfinview.com/HoraceMann/TAHD/PRPNQ. You can also request this information at no cost by calling 1-800-999-1030 or by sending an email request to contactcenterannuity@horacemann.com. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The current expenses and performance information below reflects fees and expenses of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Portfolio Companies, but do not reflect the other fees and expenses that Your</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Type of Fund</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Portfolio Company and</span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Current </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:156.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Average Annual Total Returns</span></div> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/25)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">5-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">10-year</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2020 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">13.33%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.84%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.38%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2025 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.46%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.02%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2030 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.49%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">15.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.88%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2035 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">16.69%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.00%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2040 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.57%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">18.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.87%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2045 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">19.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.09%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2050 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">19.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.08%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2055 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">19.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.60%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2060 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">19.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.62%</span></div></div></td></tr> <tr style="height:55pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement Portfolio Initial </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management &amp; Research </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.36%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.63%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.35%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.44% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Type of Fund</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Portfolio Company and</span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Current </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:156.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Average Annual Total Returns</span></div> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/25)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">5-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">10-year</span></div></div></td></tr> <tr style="height:56pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">® </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Washington Mutual </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investors 1</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research and Management </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">17.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">12.65%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Equity </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">17.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.27%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.66%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS Growth </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund Class 4</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research and Management </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">19.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">13.09%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">17.67%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT Sustainable </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Leaders IA(4)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Advisor) </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam Investment </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management, LLC.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Subadvisers) Franklin </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisers, Inc. and Franklin </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Templeton Investment </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.98%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Blue Chip </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Port</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">18.74%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.68%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">15.54%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS VIT III Mid Cap Value </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.18%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.95%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Mid Cap </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.46%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.77%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Alger Mid Cap Growth </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">I-2</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">*</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(1)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fred Alger </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management LLC.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.92%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">16.77%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.68%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Henderson Enterprise </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Instl</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Management LLC.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.72%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.67%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">12.79%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dimensional VA US </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Targeted Value</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dimensional Fund Advisors </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">LP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.29%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.95%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">13.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.00%</span></div></div></td></tr> <tr style="height:56pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS VIT III Blended </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Small Cap Equity </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.76%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.92%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.10%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">ClearBridge Variable Small </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cap Growth 1</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Templeton Fund Adviser, </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">LLC.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.23%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.38%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Growth</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS VIT New Discovery </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Series Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">*</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(3)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Services Company</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.87%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">12.96%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.28%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.74% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Type of Fund</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Portfolio Company and</span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Current </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:156.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Average Annual Total Returns</span></div> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/25)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">5-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">10-year</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Small Co </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Gr</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(2)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.29%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.11%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.61%</span></div></div></td></tr> <tr style="height:56pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Developed Markets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Growth and </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income 1</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Research </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and Management </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.56%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">35.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.97%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.08%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Developed Markets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.32%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">19.97%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.48%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Emerging Markets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> New </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">World 1</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Research </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and Management</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.57%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">28.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.53%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Real Estate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Real Estate </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index Portfolio</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.26%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.11%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.08%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Technology</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Henderson Global </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Technology and Innovation </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund Class I</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Capital </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management LLC.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.73%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">25.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">13.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">21.48%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS US </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Securities 1</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management Company</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">1.95%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Total Bond </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mkt Idx</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.94%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">1.90%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Templeton Global Bond </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">VIP 1</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">*</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(1)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">16.09%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.69%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.11%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Global </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond Index</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.13%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.69%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">High Yield Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock High Yield V.I. </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class I</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisors, LLC.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.31%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Short-Term Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Short-Term </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.23%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.81%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balanced</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Calvert VP SRI Balanced I</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Calvert Research and </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.65%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.48%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.68%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.81%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Money Market</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Goldman Sachs VIT </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Money Market </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Goldman Sachs </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Asset Management, L.P</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.18%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.20%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.18%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.11%</span></div></div></td></tr></table><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">*</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">These expenses reflect temporary fee reductions. The details about these waivers can be found in the Portfolio Company prospectus at </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;text-decoration:underline;">dfinview.com/HoraceMann/TAHD/PRPNQ</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">On and after May 1, 2019, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Companies. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Companies, they may continue the program(s), but may not begin or increase allocations. </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">On and after May 1, 2020, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Subaccounts. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Subaccounts, they may continue the program(s), but may not begin or increase allocations. </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">(3)</span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;">On and after May 1, 2025, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Subaccounts. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Subaccounts, they may continue the program(s), but may not begin or increase allocations. </span><span style="font-family:Times New Roman;font-size:8pt;">(4)</span><span style="font-family:Times New Roman;font-size:8pt;">On and after May 1, 2026, Contract Owners may not begin or increase premium payment allocations or make new transfers to the Portfolio Companies. However, if Contract Owners were participating on that date in the dollar cost averaging program or the rebalancing program with allocations to the Portfolio Companies, they may continue the program(s), but may not begin or increase allocations. </span> <span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The following is a list of </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at dfinview.com/HoraceMann/TAHD/PRPNQ. You can also request this information at no cost by calling 1-800-999-1030 or by sending an email request to contactcenterannuity@horacemann.com. </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.12%;">The current expenses and performance information below reflects fees and expenses of the </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Portfolio Companies, but do not reflect the other fees and expenses that Your</span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Times New Roman;font-size:10pt;">Contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Type of Fund</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Portfolio Company and</span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Current </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:156.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Average Annual Total Returns</span></div> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/25)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">5-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">10-year</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2020 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">13.33%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.84%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.38%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2025 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.46%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.02%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2030 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.49%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">15.52%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.88%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2035 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.53%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">16.69%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.55%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.00%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2040 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.57%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">18.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.87%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2045 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">19.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.09%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2050 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">19.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.08%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2055 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">19.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.60%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2060 Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">19.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.62%</span></div></div></td></tr> <tr style="height:55pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement Portfolio Initial </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management &amp; Research </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company LLC</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.36%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.63%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.35%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.44% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Type of Fund</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Portfolio Company and</span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Current </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:156.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Average Annual Total Returns</span></div> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/25)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">5-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">10-year</span></div></div></td></tr> <tr style="height:56pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">® </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Washington Mutual </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investors 1</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research and Management </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">17.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">12.65%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Equity </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">17.70%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.27%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.66%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS Growth </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund Class 4</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research and Management </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">19.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">13.09%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">17.67%</span></div></div></td></tr> <tr style="height:89pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT Sustainable </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Leaders IA(4)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Advisor) </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam Investment </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management, LLC.</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Subadvisers) Franklin </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisers, Inc. and Franklin </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Templeton Investment </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management Limited</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.63%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.99%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">14.98%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Blue Chip </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Port</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">18.74%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.68%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">15.54%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS VIT III Mid Cap Value </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.98%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.18%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.95%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Mid Cap </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.46%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.77%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Alger Mid Cap Growth </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">I-2</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">*</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(1)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fred Alger </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management LLC.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.92%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">16.77%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.68%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Henderson Enterprise </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Instl</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Management LLC.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.72%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.67%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">12.79%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Value</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dimensional VA US </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Targeted Value</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dimensional Fund Advisors </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">LP</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.29%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.95%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">13.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.00%</span></div></div></td></tr> <tr style="height:56pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS VIT III Blended </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Small Cap Equity </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Services Company</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.58%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.76%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.92%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.10%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">ClearBridge Variable Small </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cap Growth 1</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Templeton Fund Adviser, </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">LLC.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.23%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.38%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Growth</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS VIT New Discovery </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Series Initial Class</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">*</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(3)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Services Company</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.87%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">12.96%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.28%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.74% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:510pt;"> <tr style="height:25pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Type of Fund</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Portfolio Company and</span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Adviser/Subadviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Current </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:156.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">Average Annual Total Returns</span></div> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">(as of 12/31/25)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">1-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">5-year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Bottom;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;font-weight:bold;">10-year</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Small Co </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Gr</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(2)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.29%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.11%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.61%</span></div></div></td></tr> <tr style="height:56pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Developed Markets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Growth and </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income 1</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Research </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and Management </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.56%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">35.83%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">7.97%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.08%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Developed Markets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.32%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">19.97%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">10.48%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Emerging Markets</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> New </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">World 1</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Research </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and Management</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.57%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">28.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.59%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.53%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Real Estate</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Real Estate </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index Portfolio</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The The </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.26%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.11%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.08%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Technology</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Henderson Global </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Technology and Innovation </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund Class I</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Capital </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management LLC.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.73%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">25.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">13.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">21.48%</span></div></div></td></tr> <tr style="height:45pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS US </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Securities 1</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Research and </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management Company</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.25%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.01%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">1.95%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span></div> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Total Bond </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mkt Idx</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.94%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.51%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">1.90%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Templeton Global Bond </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">VIP 1</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">*</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">(1)</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisers, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">16.09%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.69%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.11%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Global </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond Index</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.13%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">5.69%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">-0.41%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;"> </span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">High Yield Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock High Yield V.I. </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class I</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisors, LLC.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.54%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.19%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.79%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.31%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Short-Term Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Short-Term </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard Group, Inc.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.14%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">6.85%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.23%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.81%</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balanced</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Calvert VP SRI Balanced I</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> / </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Calvert Research and </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.65%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">11.48%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">8.68%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">9.81%</span></div></div></td></tr> <tr style="height:44pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:104.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Money Market</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Goldman Sachs VIT </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Money Market </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">* / </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Goldman Sachs </span></div> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Left;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Asset Management, L.P</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:124.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">0.18%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">4.20%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:52.6pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:5.05pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">3.18%</span></div></div></td> <td style="padding-bottom:2pt;padding-top:1.375pt;vertical-align:Top;width:50.8pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.05pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Times New Roman;font-size:10pt;">2.11%</span></div></div></td></tr></table> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2020 Initial Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span> 0.0044 0.1333 0.0484 0.0738 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2025 Initial Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span> 0.0046 0.1459 0.0552 0.0802 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2030 Initial Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span> 0.0049 0.1552 0.0625 0.0888 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2035 Initial Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span> 0.0053 0.1669 0.0755 0.1000 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2040 Initial Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span> 0.0057 0.1879 0.0901 0.1087 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2045 Initial Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span> 0.0060 0.1983 0.0944 0.1109 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2050 Initial Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span> 0.0060 0.1979 0.0943 0.1108 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2055 Initial Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span> 0.0060 0.1985 0.0943 0.1160 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio 2060 Initial Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity Management &amp; </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Company LLC</span> 0.0060 0.1983 0.0944 0.1162 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Lifecycle/Target Date </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Funds</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIP Freedom </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Retirement Portfolio Initial </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fidelity </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management &amp; Research </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company LLC</span> 0.0036 0.0963 0.0235 0.0444 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Value</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">® </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Washington Mutual </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investors 1</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research and Management </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span> 0.0025 0.1750 0.1417 0.1265 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Blend</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Equity </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span> 0.0014 0.1770 0.1427 0.1466 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS Growth </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund Class 4</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research and Management </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company</span> 0.0083 0.1993 0.1309 0.1767 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam VT Sustainable </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Leaders IA(4)</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Advisor) </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Putnam Investment </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management, LLC.</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(Subadvisers) Franklin </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisers, Inc. and Franklin </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Templeton Investment </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management Limited</span> 0.0063 0.1099 0.1062 0.1498 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Large Growth</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T Rowe Price Blue Chip </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Growth Port</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">T. Rowe Price </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Associates, Inc.</span> 0.0075 0.1874 0.1168 0.1554 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Value</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS VIT III Mid Cap Value </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Initial Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Services Company</span> 0.0079 0.0598 0.1018 0.0995 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Blend</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Mid Cap </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span> 0.0017 0.1154 0.0846 0.1077 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Growth</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Alger Mid Cap Growth </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">I-2</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fred Alger </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management LLC.</span> 0.0092 0.1677 0.0301 0.1168 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mid Growth</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Henderson Enterprise </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Portfolio Instl</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Management LLC.</span> 0.0072 0.0767 0.0762 0.1279 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Value</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dimensional VA US </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Targeted Value</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Dimensional Fund Advisors </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">LP</span> 0.0029 0.0895 0.1360 0.1100 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Blend</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS VIT III Blended </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Research Small Cap Equity </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Initial Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Services Company</span> 0.0058 0.0576 0.0692 0.0910 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Growth</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">ClearBridge Variable Small </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Cap Growth 1</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Templeton Fund Adviser, </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">LLC.</span> 0.0081 0.0923 -0.0017 0.0938 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Growth</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">MFS VIT New Discovery </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Series Initial Class</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Massachusetts Financial </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Services Company</span> 0.0087 0.1296 -0.0028 0.1074 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Small Growth</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Small Co </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Gr</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The The Vanguard </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span> 0.0029 0.0611 0.0381 0.0961 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Developed Markets</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Growth and </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income 1</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Research </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and Management </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Company</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span> 0.0056 0.3583 0.0797 0.0808 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Developed Markets</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span> 0.0032 0.1997 0.0062 0.1048 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">International Stock - </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Emerging Markets</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> New </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">World 1</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Research </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">and Management</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</span> 0.0057 0.2860 0.0559 0.0953 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Real Estate</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Real Estate </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Index Portfolio</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The The </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard Group, Inc.</span> 0.0026 0.0311 0.0451 0.0508 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Technology</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Henderson Global </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Technology and Innovation </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund Class I</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Janus Capital </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management LLC.</span> 0.0073 0.2515 0.1371 0.2148 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">American Funds IS US </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Securities 1</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Capital Research and </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management Company</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">SM</span> 0.0025 0.0801 0.0001 0.0195 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Intermediate-Term </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Total Bond </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Mkt Idx</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The The Vanguard </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span> 0.0014 0.0694 -0.0051 0.0190 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Templeton Global Bond </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">VIP 1</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Franklin </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisers, Inc.</span> 0.0050 0.1609 -0.0069 0.0011 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Global Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Global </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Bond Index</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Group, Inc.</span> 0.0013 0.0569 -0.0041 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">High Yield Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock High Yield V.I. </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Class I</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">BlackRock </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Advisors, LLC.</span> 0.0054 0.0919 0.0479 0.0631 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Short-Term Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Vanguard</span><span style="font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">®</span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> VIF Short-Term </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Investment Grade Bond</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">The Vanguard Group, Inc.</span> 0.0014 0.0685 0.0223 0.0281 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Balanced</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Calvert VP SRI Balanced I</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Calvert Research and </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Management.</span> 0.0065 0.1148 0.0868 0.0981 <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Money Market</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Goldman Sachs VIT </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Government Money Market </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Fund</span> <span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Goldman Sachs </span><span style="font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Asset Management, L.P</span> 0.0018 0.0420 0.0318 0.0211 <span style="color:#000000;font-family:Times New Roman;font-size:8pt;">These expenses reflect temporary fee reductions. The details about these waivers can be found in the Portfolio Company prospectus at </span><span style="color:#000000;font-family:Times New Roman;font-size:8pt;text-decoration:underline;">dfinview.com/HoraceMann/TAHD/PRPNQ</span>