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INS & ANNUITY CO N-6 <table cellpadding="0" cellspacing="0" id="table446596" style="empty-cells: show; width: 458pt; outline: none; outline-offset: 0px; border: 0.5pt solid rgb(0, 0, 0);"> <tr style="height: 29.5pt;"> <td colspan="2" style="background-color: rgb(229, 229, 229); border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 0px; padding-top: 0px; vertical-align: bottom; width: 387.5pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9pt; font-weight: bold; margin-left: 0.00pt;">Fees and Expenses</span></div> </div> </td> <td style="background-color: rgb(229, 229, 229); border-bottom: 0.5pt solid rgb(0, 0, 0); padding-bottom: 0px; padding-top: 0px; vertical-align: bottom; width: 70.5pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 6pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9pt; font-weight: bold; margin-left: 0.0pt;">Location in </span></div> <div style="margin-left: 3.75pt; margin-right: 6pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9pt; font-weight: bold;">Prospectus</span></div> </div> </td> </tr> <tr style="height: 89.0pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 70.5pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 6pt; margin-right: 3.75pt; margin-top: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Charges for </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Early </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Withdrawals</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 317pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 3.75pt; margin-top: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">During the first 14 years, if you surrender your Policy, we may deduct a </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">surrender charge from the Policy’s cash value. The surrender charge and </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Surrender Charge Period may differ based on the insured’s age at issue, sex, </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">classification and Face Amount.</span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">For example, a male, issue age 40 in the preferred NT underwriting class with </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">a Policy Face Amount of $500,000 in the first Policy Year, would incur a </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">surrender charge of $20.65 per 1,000 of Basic Sum Insured or $10,325.</span></div> </div> </td> <td style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 70.5pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 6pt; margin-top: 8pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Deductions and </span></div> <div style="margin-left: 3.75pt; margin-right: 6pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Charges</span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table435634" style="empty-cells: show; width: 458pt; outline: none; outline-offset: 0px; border: 0.5pt solid rgb(0, 0, 0);"> <tr style="height: auto;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 0px; padding-top: 0px; vertical-align: top; width: 70.5pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 6pt; margin-right: 3.75pt; margin-top: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Transaction </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Charges</span></div> </div> </td> <td style="border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 0px; padding-top: 0px; vertical-align: top; width: 317pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 3.75pt; margin-top: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">In addition to Surrender Charges, you may also be charged for other </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">transactions. These other charges may include sales charges on premium </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">payments, state and federal premium tax charges on premium payments, and </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">charges for transfers among the investment options.</span></div> </div> </td> <td style="padding-bottom: 0px; padding-top: 0px; vertical-align: top; width: 70.5pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 6pt; margin-top: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Deductions and </span></div> <div style="margin-left: 3.75pt; margin-right: 6pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Charges</span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table702999" style="border-left: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); empty-cells: show; width: 40.0262%; table-layout: fixed; border-collapse: collapse; outline: none; outline-offset: 0px;"> <tr> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="4" style="width: 317.1pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 70.3pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="height: 127.55pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 3.05pt; padding-top: 3.05pt; vertical-align: Top; width: 70.5pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 6pt; margin-right: 3.75pt; margin-top: 3pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Ongoing Fees </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">and Expenses </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">(annual </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; 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: 1.65pt; padding-top: 1.65pt; vertical-align: Top; width: 317.10pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 1.55pt; margin-top: 3pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">In addition to surrender charges and transaction charges, an investment in the </span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Policy is subject to certain ongoing fees and expenses, including fees and </span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">expenses covering the cost of insurance under the Policy and the cost of </span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">optional benefits available under the Policy, and such fees and expenses are set </span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">based on characteristics of the insured (e.g., age, sex and rating classification). </span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">You should view the specifications page of the Policy for the rates that apply to </span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">your Policy. There is also a mortality and risk expense charge, a policy charge </span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">and a fee in connection with allocations to the indexed account.</span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">You will also bear expenses associated with the Variable Investment Options </span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">under the Policy, as shown in the following table.</span></div> </div> </td> <td style="padding-bottom: 3.05pt; padding-top: 3.05pt; vertical-align: Top; width: 70.3pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 1.55pt; margin-right: 6pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Deductions and </span></div> <div style="margin-left: 1.55pt; margin-right: 6pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Charges</span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table606497" style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-left: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); empty-cells: show; width: 40.0262%; table-layout: fixed; border-collapse: collapse; outline: none; outline-offset: 0px;"> <tr> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="4" style="width: 317.1pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 70.3pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="height: 12.1pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0);"></td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 1.65pt; padding-top: 1.65pt; vertical-align: Top; width: 187.90pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.00pt;">Annual Fee</span></div> </div> </td> <td style="background-color: rgb(229, 229, 229); border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 1.65pt; padding-top: 1.65pt; vertical-align: top; width: 0%;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.55pt; margin-right: 1.55pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.00pt;">Minimum</span></div> </div> </td> <td style="background-color: rgb(229, 229, 229); border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 1.65pt; padding-top: 1.65pt; vertical-align: top; width: 0%;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.55pt; margin-right: 1.55pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.00pt;">Maximum</span></div> </div> </td> <td style="width: 0%;"></td> </tr> <tr style="height: 23.1pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0);"></td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 1.65pt; padding-top: 1.65pt; vertical-align: Top; width: 187.90pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Investment Options*</span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">(Portfolio Company fees and expenses)</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 1.65pt; padding-top: 1.65pt; vertical-align: top; width: 0%;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.55pt; margin-right: 1.55pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt;">0.09%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 1.65pt; padding-top: 1.65pt; vertical-align: top; width: 0%;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.55pt; margin-right: 1.55pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt;">1.41%</span></div> </div> </td> <td style="width: 0%;"></td> </tr> <tr style="height: 11.05pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); border-bottom: 1px solid black;"></td> <td colspan="4" style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 1.65pt; vertical-align: Top; width: 317.10pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">* As a percentage of Fund assets.</span></div> </div> </td> <td style="border-bottom: 1px solid black; width: 0%;"></td> </tr> </table> <span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">During the first 14 years, if you surrender your Policy, we may deduct a </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">surrender charge from the Policy’s cash value. The surrender charge and </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Surrender Charge Period may differ based on the insured’s age at issue, sex, </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">classification and Face Amount.</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">For example, a male, issue age 40 in the preferred NT underwriting class with </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">a Policy Face Amount of $500,000 in the first Policy Year, would incur a </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">surrender charge of $20.65 per 1,000 of Basic Sum Insured or $10,325.</span> 14 20.65 <span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">In addition to Surrender Charges, you may also be charged for other </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">transactions. These other charges may include sales charges on premium </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">payments, state and federal premium tax charges on premium payments, and </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">charges for transfers among the investment options.</span> <table cellpadding="0" cellspacing="0" id="table702999" style="border-left: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); empty-cells: show; width: 40.0262%; table-layout: fixed; border-collapse: collapse; outline: none; outline-offset: 0px;"> <tr> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="4" style="width: 317.1pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 70.3pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="height: 127.55pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 3.05pt; padding-top: 3.05pt; vertical-align: Top; width: 70.5pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 6pt; margin-right: 3.75pt; margin-top: 3pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Ongoing Fees </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">and Expenses </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">(annual </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; 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: 1.65pt; padding-top: 1.65pt; vertical-align: Top; width: 317.10pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 1.55pt; margin-top: 3pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">In addition to surrender charges and transaction charges, an investment in the </span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Policy is subject to certain ongoing fees and expenses, including fees and </span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">expenses covering the cost of insurance under the Policy and the cost of </span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">optional benefits available under the Policy, and such fees and expenses are set </span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">based on characteristics of the insured (e.g., age, sex and rating classification). </span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">You should view the specifications page of the Policy for the rates that apply to </span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">your Policy. There is also a mortality and risk expense charge, a policy charge </span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">and a fee in connection with allocations to the indexed account.</span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">You will also bear expenses associated with the Variable Investment Options </span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">under the Policy, as shown in the following table.</span></div> </div> </td> <td style="padding-bottom: 3.05pt; padding-top: 3.05pt; vertical-align: Top; width: 70.3pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 1.55pt; margin-right: 6pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Deductions and </span></div> <div style="margin-left: 1.55pt; margin-right: 6pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Charges</span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table606497" style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-left: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); empty-cells: show; width: 40.0262%; table-layout: fixed; border-collapse: collapse; outline: none; outline-offset: 0px;"> <tr> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="4" style="width: 317.1pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 70.3pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="height: 12.1pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0);"></td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 1.65pt; padding-top: 1.65pt; vertical-align: Top; width: 187.90pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.00pt;">Annual Fee</span></div> </div> </td> <td style="background-color: rgb(229, 229, 229); border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 1.65pt; padding-top: 1.65pt; vertical-align: top; width: 0%;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.55pt; margin-right: 1.55pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.00pt;">Minimum</span></div> </div> </td> <td style="background-color: rgb(229, 229, 229); border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 1.65pt; padding-top: 1.65pt; vertical-align: top; width: 0%;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.55pt; margin-right: 1.55pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.00pt;">Maximum</span></div> </div> </td> <td style="width: 0%;"></td> </tr> <tr style="height: 23.1pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0);"></td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 1.65pt; padding-top: 1.65pt; vertical-align: Top; width: 187.90pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Investment Options*</span></div> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">(Portfolio Company fees and expenses)</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 1.65pt; padding-top: 1.65pt; vertical-align: top; width: 0%;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.55pt; margin-right: 1.55pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt;">0.09%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); padding-bottom: 1.65pt; padding-top: 1.65pt; vertical-align: top; width: 0%;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.55pt; margin-right: 1.55pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt;">1.41%</span></div> </div> </td> <td style="width: 0%;"></td> </tr> <tr style="height: 11.05pt;"> <td style="border-right: 0.5pt solid rgb(0, 0, 0); border-bottom: 1px solid black;"></td> <td colspan="4" style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 1.65pt; vertical-align: Top; width: 317.10pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 1.55pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">* As a percentage of Fund assets.</span></div> </div> </td> <td style="border-bottom: 1px solid black; width: 0%;"></td> </tr> </table> 0.0009 0.0141 As a percentage of Fund assets. <table cellpadding="0" cellspacing="0" id="table177638" style="border-left: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); empty-cells: show; width: 40.0262%; table-layout: fixed; border-collapse: collapse; outline: none; outline-offset: 0px;"> <tr> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 317pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="height: 29.5pt;"> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 387.5pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 9pt; font-weight: bold; margin-left: 0.0pt;">Risks</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 70.5pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 6pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 9pt; font-weight: bold; margin-left: 0.0pt;">Location in </span></div> <div style="margin-left: 3.75pt; margin-right: 6pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 9pt; font-weight: bold;">Prospectus</span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table191235" style="border-left: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); empty-cells: show; width: 40.0262%; table-layout: fixed; border-collapse: collapse; outline: none; outline-offset: 0px;"> <tr> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 317pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="height: 20pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 3.625pt; padding-top: 2.125pt; vertical-align: Top; width: 70.5pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 6pt; margin-right: 3.75pt; margin-top: 3pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Risk of Loss</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 3.625pt; padding-top: 2.125pt; vertical-align: Top; width: 317pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 3.75pt; margin-top: 3pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">You can lose money by investing in this Policy.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 3.625pt; padding-top: 2.125pt; vertical-align: Top; width: 70.5pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 6pt; margin-top: 3pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Principal Risks</span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table158780" style="border-left: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); empty-cells: show; width: 40.0262%; table-layout: fixed; border-collapse: collapse; outline: none; outline-offset: 0px;"> <tr> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 317pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="height: 53pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 3.625pt; padding-top: 3.625pt; vertical-align: Top; width: 70.5pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Not a </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Short-Term </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Investment</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 3.625pt; padding-top: 3.625pt; vertical-align: Top; width: 317pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">The Policy is not a short-term investment and is not appropriate for an investor </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">who needs ready access to cash. If you make a premature withdrawal of cash </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">from your Policy, you may incur various costs (e.g., a Surrender Charge) and </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">also possible Federal income tax.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 3.625pt; padding-top: 3.625pt; vertical-align: Top; width: 70.5pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 6pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Principal Risks</span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table303028" style="border-left: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); empty-cells: show; width: 40.0262%; table-layout: fixed; border-collapse: collapse; outline: none; outline-offset: 0px;"> <tr> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 317pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="height: 75pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 3.625pt; padding-top: 3.625pt; vertical-align: Top; width: 70.5pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Risks </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Associated </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">with </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Investment </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; 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: 3.625pt; padding-top: 3.625pt; vertical-align: Top; width: 317pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">An investment in the Policy is subject to the risk of poor investment </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">performance and can vary depending on the performance of the investment </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">options available under the Policy (e.g., variable investment options). Each </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">investment option (including the indexed account and the fixed-rate option) </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">will have its own unique risks, and you should review these investment options </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">before making an investment decision.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 3.625pt; padding-top: 3.625pt; vertical-align: Top; width: 70.5pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 6pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Principal Risks</span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table319018" style="border-bottom: 0.5pt solid rgb(0, 0, 0); border-left: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); empty-cells: show; width: 40.0262%; table-layout: fixed; border-collapse: collapse; outline: none; outline-offset: 0px;"> <tr> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 317pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="height: 48.0pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 3.625pt; vertical-align: Top; width: 70.5pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Insurance </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Company </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Risks</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 3.625pt; vertical-align: Top; width: 317pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">An investment in the contract is subject to the risks related to us, including that </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">any obligations (including under the fixed-rate option), guarantees, and benefits </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">of the contract are subject to our claims-paying ability. If we experience </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">financial distress, we may not be able to meet our obligations to you. More</span></div> </div> </td> <td style="padding-bottom: 1.5pt; padding-top: 3.625pt; vertical-align: Top; width: 70.5pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 6pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Principal Risks</span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" id="table472853" style="border-top: 0.5pt solid rgb(0, 0, 0); border-right: 0.5pt solid rgb(0, 0, 0); border-left: 0.5pt solid rgb(0, 0, 0); empty-cells: show; width: 100%; table-layout: fixed; border-collapse: collapse; outline: none; outline-offset: 0px;"> <tr> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 317pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="height: 29.5pt;"> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 387.5pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 9pt; font-weight: bold; margin-left: 0.0pt;">Risks</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 70.5pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 6pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 9pt; font-weight: bold; margin-left: 0.0pt;">Location in </span></div> <div style="margin-left: 3.75pt; margin-right: 6pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 9pt; font-weight: bold;">Prospectus</span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table803031" style="border-right: 0.5pt solid rgb(0, 0, 0); border-left: 0.5pt solid rgb(0, 0, 0); empty-cells: show; width: 100%; table-layout: fixed; border-collapse: collapse; outline: none; outline-offset: 0px;"> <tr> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 317pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="height: 28pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 3.625pt; padding-top: 2.125pt; vertical-align: Top; width: 70.5pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 3.625pt; padding-top: 2.125pt; vertical-align: Top; width: 317pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">information about GIAC, including our financial strength ratings, is available </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">by contacting us at 1-888-GUARDIAN (1-888-482-7342).</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 3.625pt; padding-top: 2.125pt; vertical-align: Top; width: 70.5pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 6pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;"> </span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" class="tableHighlight" id="table675904" style="border-right: 0.5pt solid rgb(0, 0, 0); border-bottom: 0.5pt solid rgb(0, 0, 0); border-left: 0.5pt solid rgb(0, 0, 0); empty-cells: show; width: 100%; table-layout: fixed; border-collapse: collapse; outline: none; outline-offset: 0px;"> <tr> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 317pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> <td colspan="1" style="width: 70.5pt; vertical-align: bottom; padding-top: 0px; padding-bottom: 0px;"></td> </tr> <tr style="height: 188.0pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 3.625pt; vertical-align: Top; width: 70.5pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Contract </span></div> <div style="margin-left: 6pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-weight: bold; margin-left: 0.0pt;">Lapse</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 3.625pt; vertical-align: Top; width: 317pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">In general, in any month that your Policy Account Value is not large enough to </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">cover a monthly deduction (i.e., the amount we deduct on the first day of each </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Policy month for charges such as the Policy fee), your Policy will be in default, </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">and may lapse unless the No Lapse Guarantee or Guaranteed Coverage Rider is </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">in effect and you have satisfied the requirements or you pay additional </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">premiums. Your Policy Account Value can be impacted by poor investment </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">performance of the variable investment options you select. Your Policy may </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">also lapse if Policy loans plus accrued interest reduces the Policy Account </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Value to zero. Additionally, insufficient premium payments, withdrawals, and </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">policy charges (including increases in those charges) could cause the Policy to </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">lapse and you will no longer have insurance coverage.</span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">If your Policy has lapsed, in most states you may reinstate it within seven years </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">after the date of lapse. Reinstatement in all cases requires payment of certain </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">charges described in the Policy and usually requires evidence of insurability </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">that is satisfactory to us. Death benefits will not be paid if the Policy has </span></div> <div style="margin-left: 3.75pt; margin-right: 3.75pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">lapsed.</span></div> </div> </td> <td style="padding-bottom: 1.5pt; padding-top: 3.625pt; vertical-align: Top; width: 70.5pt;"> <div style="line-height: 11.0pt; text-align: left;"> <div style="margin-left: 3.75pt; margin-right: 6pt; margin-top: 8pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Principal Risks</span></div> </div> </td> </tr> </table> You can lose money by investing in this Policy. <span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">The Policy is not a short-term investment and is not appropriate for an investor </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">who needs ready access to cash. If you make a premature withdrawal of cash </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">from your Policy, you may incur various costs (e.g., a Surrender Charge) and </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">also possible Federal income tax.</span> <span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">An investment in the Policy is subject to the risk of poor investment </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">performance and can vary depending on the performance of the investment </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">options available under the Policy (e.g., variable investment options). Each </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">investment option (including the indexed account and the fixed-rate option) </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">will have its own unique risks, and you should review these investment options </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">before making an investment decision.</span> <span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">An investment in the contract is subject to the risks related to us, including that </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">any obligations (including under the fixed-rate option), guarantees, and benefits </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">of the contract are subject to our claims-paying ability. If we experience </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">financial distress, we may not be able to meet our obligations to you. More</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">information about GIAC, including our financial strength ratings, is available </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">by contacting us at 1-888-GUARDIAN (1-888-482-7342).</span> <span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">In general, in any month that your Policy Account Value is not large enough to </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">cover a monthly deduction (i.e., the amount we deduct on the first day of each </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Policy month for charges such as the Policy fee), your Policy will be in default, </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">and may lapse unless the No Lapse Guarantee or Guaranteed Coverage Rider is </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">in effect and you have satisfied the requirements or you pay additional </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">premiums. Your Policy Account Value can be impacted by poor investment </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">performance of the variable investment options you select. Your Policy may </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">also lapse if Policy loans plus accrued interest reduces the Policy Account </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Value to zero. Additionally, insufficient premium payments, withdrawals, and </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">policy charges (including increases in those charges) could cause the Policy to </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">lapse and you will no longer have insurance coverage.</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">If your Policy has lapsed, in most states you may reinstate it within seven years </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">after the date of lapse. Reinstatement in all cases requires payment of certain </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">charges described in the Policy and usually requires evidence of insurability </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">that is satisfactory to us. Death benefits will not be paid if the Policy has </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">lapsed.</span> <span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 8.0pt;">●</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 11.25pt;">We reserve the right to impose a charge for transfers among investment </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">options in excess of the 12.</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 8.0pt;">●</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 11.25pt;">We reserve the right to remove or substitute a variable investment option </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">or limit its availability to subsequent premium payments and/or transfers </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">of cash value.</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 8.0pt;">●</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 11.25pt;">You may only choose to invest in a maximum of 25 of the Variable </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">Investment Options or 24 of the Variable Investment Options and the </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">fixed-rate option, if available, at any time.</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 8.0pt;">●</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 11.25pt;">The availability of Variable Investment Options may vary depending on </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">the registered representative through which the Policy is sold.</span> <span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 8.0pt;">●</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 11.25pt;">Various optional benefits may be available, in the form of a rider to your </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">Policy. Not all of these riders may be available to you. In general, </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">supplemental insurance benefits may be (i) available only to insureds </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">within certain age ranges and/or who meet certain criteria (e.g., terminal </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">illness) (ii) subject to minimum and/or maximum specified amounts, and </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">(iii) subject to certain termination conditions. We may stop offering an </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">optional benefit at any time.</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 8.0pt;">●</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 11.25pt;">The availability of optional benefits may vary depending on the registered </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">representative through which the Policy is sold.</span> <span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 8.0pt;">●</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 11.25pt;">You should consult with a tax professional to determine the tax </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">implications of an investment in and payments received under this </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">contract.</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 8.0pt;">●</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 11.25pt;">There is no additional tax benefit to you if the Policy is purchased through </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">a tax-qualified plan or individual retirement account (IRA).</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 8.0pt;">●</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 11.25pt;">Withdrawals will be subject to ordinary income tax, and may be subject to </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 18.0pt;">tax penalties.</span> <span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">Your investment professional may receive compensation for selling this Policy </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">to you, in the form of commissions, additional cash benefits (</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; font-style: italic; margin-left: 0.0pt;">e.g.</span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">, bonuses), </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">and non-cash compensation. This conflict of interest may influence your </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">investment professional to recommend this Policy over another investment for </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">which the investment professional is not compensated or compensated less.</span> <span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">If you already own an insurance contract, some investment professionals may </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">have a financial incentive to offer you a new contract in place of the one you </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">own. You should only exchange a contract you already own if you determine, </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">after comparing the features, fees, and risks of both contracts, that it is better </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">for you to purchase the new contract rather than continue to own your existing </span><span style="color: #000000; font-family: times new roman; font-size: 9.5pt; margin-left: 0.0pt;">contract.</span> <div style="line-height: 12.0pt; text-align: center;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">FEE </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">TABLES</span></div> <div style="margin-top: 6pt;"><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 are payable when buying, owning, and </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0%;">surrendering, or making withdrawals from the Policy. Please refer to your Policy specifications page for </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">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; line-height: 12pt;"> </span></div> <div style="margin-top: 12pt;"><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 you will pay at the time that you buy the Policy, </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0%;">surrender or make withdrawals from the Policy, or transfer Policy Account Value between the investment </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">options and the fixed-rate option.</span><span style="color: #000000; font-family: times new roman; font-size: 1pt; line-height: 1pt;"> </span></div> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456pt; border: 0.5pt solid #000000;"> <tr style="height: 12.5pt;"> <td colspan="4" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 456pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">TRANSACTION FEES</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Amount Deducted</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.0pt;">When Charge Is Deducted</span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed Charge and Current Charge</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Premium Charge</span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">(includes any applicable </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">premium taxes)</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">1</span> <div style="clear: right;"> </div> </div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Upon each premium </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">payment</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">In each of Policy and Coverage Years 1-10</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">2</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">:</span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 2.0pt;">●</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 4.9pt;">8% of premiums paid up to one Target Premium</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">3</span> <div style="clear: right;"> </div> </div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 2.0pt;">●</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 4.9pt;">4% of premiums paid in excess of one Target </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 12.0pt;">Premium</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">3</span> <div style="clear: right;"> </div> </div> </div> </td> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Surrender Charge</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; font-weight: bold; margin-left: 0.0pt; position: relative; top: -4.25pt;">4</span></div> </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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Surrender Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Upon full surrender of the </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">4</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$45.28 per $1,000 of Basic Sum Insured</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Surrender Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Upon full surrender of the </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">4</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$11.22per $1,000 of Basic Sum Insured</span></div> </div> </td> </tr> <tr style="height: 103pt;"> <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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">First Year Surrender </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge for </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</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: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Upon full surrender of the </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">4</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$20.65 per $1,000 of Basic Sum Insured</span></div> </div> </td> </tr> <tr style="height: 24.5pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 109pt;"> <div style="line-height: 11.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed</span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 111pt;"> <div style="line-height: 11.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Current Charge</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Transfer Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Upon transfer</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: 109pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$25 per transfer</span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">(first 12 per year are free)</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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: 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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Policy Continuation </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Rider</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: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">When benefit is elected</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: 109pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">4.5% of Policy Account </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; 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; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">3.5% of Policy Account </span></div> <div style="margin-left: 1.25pt; 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;">Value</span></div> </div> </td> </tr> <tr style="height: 34.5pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Enhanced Accelerated </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Benefit Rider (EAB </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Rider) Charge</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">When benefit is first </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">exercised</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 109pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$250</span></div> </div> </td> <td style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$250</span></div> </div> </td> </tr> </table> <div> <div style="clear: both; margin-top: 12.5pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">1</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The premium charge includes a charge for applicable premium taxes, which vary from jurisdiction to jurisdiction and, in those jurisdictions that charge them, currently range from 0.08%-5% (and certain municipalities in Kentucky charge an additional premium tax of up to 16% on first year premiums only).</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 2.0pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">2</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">Premium charges decline after Policy and Coverage Year 10. In each of Policy and Coverage Years 11 and beyond the guaranteed and current charge is 4% of premiums paid up to one Target Premium. For premiums in excess of one Target Premium the current charge is 0% and the guaranteed charge is 4%.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 2.0pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">3</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The amount of the Target Premium for a Policy depends on the insured’s age, underwriting class and sex (unless gender-neutral rates are required by law). The minimum amount of Basic Sum Insured Target Premium for a non-substandard rated Policy is $2.58 per $1,000 of Face Amount and the maximum amount for a non-substandard rated Policy is $115.00 per $1,000 of Face Amount.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 2.0pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">4</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The surrender charge is imposed upon full surrender of the Policy. The surrender charge decreases every year during the Surrender Charge Period until it reaches 0%. The Policy’s surrender charges and the Surrender Charge Period vary based on the insured’s age at</span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div style="line-height: 10.0pt; margin-left: 16pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">issue, sex, and underwriting class for the Initial Face Amount and each increase in Face Amount. The surrender charge shown in the table above may not be representative of the charges you will pay Contact our Customer Service Office Contact Center or write to us at our Mailing Address.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt;"></span><span style="color: #000000; font-family: times new roman; font-size: 1pt; line-height: 1pt;"> </span></div> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456pt; border: 0.5pt solid #000000;"> <tr style="height: 12.5pt;"> <td colspan="4" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 456pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">TRANSACTION FEES</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Amount Deducted</span></div> </div> </td> </tr> <tr style="height: 22pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.0pt;">When Charge Is Deducted</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 109pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 111pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Current Charge</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Alternate Net Cash </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Surrender Value Rider </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">At issue</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: 109pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$1.00 per $1,000 of Basic </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Sum Insured (with a </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">minimum charge of </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$250.00 and a maximum </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">charges of $500.00)</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$1.00 per $1,000 of Basic </span></div> <div style="margin-left: 1.25pt; 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;">Sum Insured (with a </span></div> <div style="margin-left: 1.25pt; 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;">minimum charge of </span></div> <div style="margin-left: 1.25pt; 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;">$250.00 and a maximum </span></div> <div style="margin-left: 1.25pt; 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;">charges of $500.00)</span></div> </div> </td> </tr> <tr style="height: 125pt;"> <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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Reinstatement Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Upon reinstatement</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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)</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;">any amount by which the Policy Account Value </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 16.66pt;">minus Policy Debt was less than zero on the </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 16.66pt;">date of lapse; plus</span></div> <div style="margin-left: 1.25pt; 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;">(2)</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;">interest on Policy Debt from the date of lapse to </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 16.66pt;">the date of reinstatement; </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0.0pt;">plus</span></div> <div style="margin-left: 1.25pt; 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;">(3)</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;">the difference between the surrender charge in </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 16.66pt;">effect at the time the Policy lapsed and the </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 16.66pt;">surrender charge in effect on the date of </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 16.66pt;">reinstatement; plus</span></div> <div style="margin-left: 1.25pt; 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;">(4)</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;">carrying charges on any Lien from date of lapse </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 16.66pt;">to the date of reinstatement</span></div> </div> </td> </tr> <tr style="height: 23.5pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Lost Policy Fee</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">If a duplicate policy is </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">requested</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 109pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$100</span></div> </div> </td> <td style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; 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> </table> <div style="margin-top: 12pt;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0%;">Representative costs may vary from the costs you would incur. Ask for an illustration or see the Policy </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">Data Page for more information on the costs applicable to your policy.</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; line-height: 12pt;"> </span></div> <div style="margin-top: 12pt;"><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 you will pay periodically during the time that you own </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">the Policy, not including the underlying mutual fund fees and expenses.</span><span style="color: #000000; font-family: times new roman; font-size: 1pt; line-height: 1pt;"> </span></div> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456pt; border: 0.5pt solid #000000;"> <tr style="height: 12.5pt;"> <td colspan="4" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 456pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">PERIODIC CHARGES (Other than Mutual Fund Operating Expenses)</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Amount Deducted</span></div> </div> </td> </tr> <tr style="height: 22pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.0pt;">When Charge Is Deducted</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 109pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed</span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 111pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Current Charge</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed Charge and Current Charge</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Base Contract Charge:</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Cost of Insurance</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; font-weight: bold; margin-left: 0.0pt; position: relative; top: -4.25pt;">1</span></div> </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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$5.15 per $1,000 of Net Amount at Risk (NAR)</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">2</span> <div style="clear: right;"> </div> </div> </div> </td> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$0.01 per $1,000 of NAR</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">3</span> <div style="clear: right;"> </div> </div> </div> </td> </tr> <tr style="height: 100.5pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">First Year Cost of </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Insurance Charge for </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$.10 per $1,000 of NAR</span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456pt; border: 0.5pt solid #000000;"> <tr style="height: 12.5pt;"> <td colspan="4" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 456pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">PERIODIC CHARGES (Other than Mutual Fund Operating Expenses)</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Amount Deducted</span></div> </div> </td> </tr> <tr style="height: 22pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.0pt;">When Charge Is Deducted</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 109pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed</span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 111pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Current Charge</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed Charge and Current Charge</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Mortality and Expense </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Risk Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</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: 109pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">.25% annually of the </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Policy Account Value in </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">the variable investment </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; 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; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">.00% annually of the </span></div> <div style="margin-left: 1.25pt; 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;">Policy Account Value in </span></div> <div style="margin-left: 1.25pt; 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 variable investment </span></div> <div style="margin-left: 1.25pt; 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;">options</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Administrative </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Expenses</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; font-weight: bold; margin-left: 0.0pt; position: relative; top: -4.25pt;">4</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0.0pt;"> (per $1,000)</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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </span></div> </div> </td> </tr> <tr style="height: 24.5pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 109pt;"> <div style="line-height: 11.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed</span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 111pt;"> <div style="line-height: 11.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Current Charge</span></div> </div> </td> </tr> <tr style="height: 70pt;"> <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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</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: 109pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$0.94 per $1,000 of Basic </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Sum Insured and each </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Policy Segment in all </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Policy Years</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$0.94 per $1,000 of Basic </span></div> <div style="margin-left: 1.25pt; 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;">Sum Insured and each </span></div> <div style="margin-left: 1.25pt; 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;">Policy Segment for the </span></div> <div style="margin-left: 1.25pt; 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;">first ten Policy Years and </span></div> <div style="margin-left: 1.25pt; 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;">first ten Coverage Years </span></div> <div style="margin-left: 1.25pt; 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;">for each Policy Segment</span></div> </div> </td> </tr> <tr style="height: 70pt;"> <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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</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: 109pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$0.05 per $1,000 of Basic </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Sum Insured and each </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Policy Segment in all </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Policy Years</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$0.05 per $1,000 of Basic </span></div> <div style="margin-left: 1.25pt; 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;">Sum Insured and each </span></div> <div style="margin-left: 1.25pt; 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;">Policy Segment for the </span></div> <div style="margin-left: 1.25pt; 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;">first ten Policy Years and </span></div> <div style="margin-left: 1.25pt; 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;">first ten coverage Years </span></div> <div style="margin-left: 1.25pt; 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;">for each Policy Segment</span></div> </div> </td> </tr> <tr style="height: 92pt;"> <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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Administrative Charge </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">for Representative </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Insured: a male, issue age </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">40, in the preferred NT </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</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: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$0.16 per $1,000 of Basic Sum Insured</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Indexed Account </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</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: 109pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">1.00% annually of the </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Policy Account Value in </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">the Indexed Account</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">.45% annually of the </span></div> <div style="margin-left: 1.25pt; 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;">Policy Account Value in </span></div> <div style="margin-left: 1.25pt; 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 Indexed Account</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Policy Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</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: 109pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$7.50</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$7.50 to the later of the </span></div> <div style="margin-left: 1.25pt; 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;">30</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">th</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;"> Policy Anniversary </span></div> <div style="margin-left: 1.25pt; 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;">or the insured’s Attained </span></div> <div style="margin-left: 1.25pt; 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;">Age 100</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Interest on Policy Loans</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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Standard Loans</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; font-weight: bold; margin-left: 0.0pt; position: relative; top: -4.25pt;">5,6</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: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Annually, in arrears, on the </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Anniversary</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">4% annually on all outstanding Policy Debt until the </span></div> <div style="margin-left: 1.25pt; 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;">later of the Insured’s Attained Age 60 or the 10th </span></div> <div style="margin-left: 1.25pt; 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;">Policy Anniversary.</span></div> <div style="margin-left: 1.25pt; 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;">See footnotes for charges thereafter.</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">6</span> <div style="clear: right;"> </div> </div> </div> </td> </tr> <tr style="height: 23.5pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Indexed Loans</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; font-weight: bold; margin-left: 0.0pt; position: relative; top: -4.25pt;">7</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Annually, in arrears, on the </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Anniversary</span></div> </div> </td> <td colspan="2" style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">6% annually on all outstanding Policy Debt</span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456pt; border: 0.5pt solid #000000;"> <tr style="height: 12.5pt;"> <td colspan="4" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 456pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">PERIODIC CHARGES (Other than Mutual Fund Operating Expenses)</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Amount Deducted</span></div> </div> </td> </tr> <tr style="height: 22pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.0pt;">When Charge Is Deducted</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 109pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed</span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 111pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Current Charge</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed Charge and Current Charge</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Carrying Charges on </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Liens</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: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Annually, in arrears, on the </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Anniversary</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">For Liens up to the Policy Account Value, the lesser </span></div> <div style="margin-left: 1.25pt; 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;">of the standard policy loan interest rate and the </span></div> <div style="margin-left: 1.25pt; 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;">Variable Interest Rate. For Liens over the Policy </span></div> <div style="margin-left: 1.25pt; 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;">Account Value, the Variable Interest Rate.</span></div> <div style="margin-left: 1.25pt; 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;">See “</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-style: italic; margin-left: 0.0pt;">Enhanced Accelerated Benefit (EAB) Rider</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">”</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Optional Benefits </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Charges</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; font-weight: bold; margin-left: 0.0pt; position: relative; top: -4.25pt;">8</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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Accidental Death </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Benefit Rider (ADB)</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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$.11 per $1,000 of ADB Face Amount</span></div> </div> </td> </tr> <tr style="height: 26pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$.06 per $1,000 of ADB Face Amount</span></div> </div> </td> </tr> <tr style="height: 92pt;"> <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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge for </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$.07 per $1,000 of ADB Face Amount</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Waiver of Monthly </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Deductions Rider </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">(WMD)</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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$.11 per $1.00 of Monthly Deduction</span></div> </div> </td> </tr> <tr style="height: 26pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$.01 per $1.00 of Monthly Deduction</span></div> </div> </td> </tr> <tr style="height: 92pt;"> <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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge for </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$.04 per $1.00 of Monthly Deduction</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Whole Life Purchase </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Option Rider (WLPO)</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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$.40 per $1,000 of WLPO face amount</span></div> </div> </td> </tr> <tr style="height: 23.5pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$.02 per $1,000 of WLPO face amount</span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456pt; border: 0.5pt solid #000000;"> <tr style="height: 12.5pt;"> <td colspan="4" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 456pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">PERIODIC CHARGES (Other than Mutual Fund Operating Expenses)</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Amount Deducted</span></div> </div> </td> </tr> <tr style="height: 22pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.0pt;">When Charge Is Deducted</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 109pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed</span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 111pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Current Charge</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed Charge and Current Charge</span></div> </div> </td> </tr> <tr style="height: 92pt;"> <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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge for </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$.13 per $1,000 of WLPO Face amount</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Disability Benefit Rider </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">(waiver of specified </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">amount) (DB)</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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$9.67 per $100 of the Specified Amount as defined </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">in the DBR</span></div> </div> </td> </tr> <tr style="height: 26pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$.93 per $100 of the Specified Amount as defined in </span></div> <div style="margin-left: 1.25pt; 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 DBR</span></div> </div> </td> </tr> <tr style="height: 89.5pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge for </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$3.06 per $100 of Specified Amount</span></div> </div> </td> </tr> </table> <div style="margin-top: 12pt;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0%;">Representative costs may vary from the cost you would incur. Ask for an illustration or see the Policy Data </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">Page for more information on the costs applicable to your policy.</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; line-height: 12pt;"> </span></div> <div> <div style="clear: both; margin-top: 1.95pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">1</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The cost of insurance charge varies based on the insured’s age, policy duration, sex, underwriting class and Face Amount for the Initial Face Amount and each increase in Face Amount. See “Deductions and Charges.” The representative cost of insurance charge shown may not be representative of the charges that you will pay. For more details, contact your registered representative.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 1.96pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">2</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The charge shown is for underwriting classes Preferred Plus NT, Preferred NT, non-smoker and standard. For substandard risks the maximum first year guaranteed or current charge is $34.80 per $1,000 of NAR.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 1.97pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">3</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The charge shown is for underwriting classes Preferred Plus NT, Preferred NT, non-smoker and standard. For substandard risks the minimum first year guaranteed or current charge is $0.01 per $1,000 of NAR.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 1.97pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">4</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">Currently, the administrative charge is imposed for the first 10 Policy Years and Coverage Years only. It is based on the insured’s age, sex, and underwriting class for the Basic Sum Insured and each Policy Segment. See “Deductions and Charges.” The administrative charge shown in the table may not be representative of the charges you will pay. For more details, contact your registered representative.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 1.96pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">5</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">After the later of the Insured’s Attained Age 60 or the 10th Policy Anniversary the maximum guaranteed interest rate is 3.5% for all outstanding and new Policy loans, and the current interest rate is 3% for all outstanding and new Policy loans.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div style="clear: both; margin-top: 1.97pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">6</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435pt;"><span style="color: #000000; font-family: Times New Roman; font-size: 8pt;">After taking into account the interest GIAC credits to the Loan Account, your effective rate of borrowing for a standard loan would be: (i) on a <b>current basis</b>, 1% annually until the later of the insured’s Attained Age 60 or the 10th Policy Anniversary, and 0% thereafter on all outstanding and new Policy loans, and (ii) on a <b>guaranteed basis</b>, 1% annually until the later of the insured’s Attained Age 60 or the 10th Policy Anniversary, and 0.5% thereafter for all outstanding and new Policy loans.</span><span style="color: #000000; font-family: Times New Roman; font-size: 8pt; line-height: 10pt;"> </span></div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 1.97pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">7</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">Beginning on the 5th Policy Anniversary, the policyowner will have the option of taking a standard Policy loan or an indexed Policy loan. Only one type of Policy loan may be outstanding at any time. Amounts borrowed from Policy Account Value in the indexed option, if borrowed as an indexed loan, do not go into a separate Loan Collateral Account. These amounts are credited interest at 1.5% for Policy Account Value in the Holding Account and with index-linked interest for Policy Account Value in Indexed Segments.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 1.96pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">8</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">Charges for the ADB Rider, the WLPO Rider, the WMD Rider, and the DB Rider vary based on individual characteristics of the insured. The charges shown for the ADB, WMD, and DB riders are for underwriting classes Preferred Plus NT, Preferred NT, non-smoker and standard; for substandard there is an additional multiple increase. The charges shown may not be representative of the charges that you will pay. For more details, contact your registered representative.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div style="line-height: 12.0pt; text-align: justify;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0%;">The next table shows the minimum and maximum total operating expenses charged by the Funds that you </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0%;">may pay periodically during the time that you own the Policy. A complete list of the Funds available under </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">the Policy, including their annual expenses, may be found at the back of this Prospectus.</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; line-height: 12pt;"> </span></div> <div style="margin-top: 12pt;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-style: italic; font-weight: bold; margin-left: 0%;">Annual Portfolio Company Expenses</span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">(expenses that are deducted from Portfolio Company assets of the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0%;">underlying mutual funds including management fees, distribution [and/or service] (12b-1) fees, and other </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">expenses).</span><span style="color: #000000; font-family: times new roman; font-size: 1pt; line-height: 1pt;"> </span></div> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456pt;"> <tr style="height: 13pt;"> <td style="padding-bottom: 3pt; padding-top: 3pt; vertical-align: Bottom; width: 344.8pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-right: 8pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0.0pt;"> </span></div> </div> </td> <td style="padding-bottom: 3pt; padding-top: 3pt; vertical-align: Bottom; width: 58.77pt;"> <div style="line-height: 12pt; text-align: left;"> <div style="margin-left: 8pt; margin-right: 8pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">Minimum</span></div> </div> </td> <td style="padding-bottom: 3pt; padding-top: 3pt; vertical-align: Bottom; width: 52.43pt;"> <div style="line-height: 12pt; text-align: left;"> <div style="margin-left: 8pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">Maximum</span></div> </div> </td> </tr> <tr style="height: 12pt;"> <td style="padding-bottom: 1.5pt; padding-top: 3pt; vertical-align: Top; width: 344.8pt;"> <div style="line-height: 12pt; text-align: left;"> <div style="margin-right: 8pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Total Annual Portfolio Company Expenses</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">1,2</span></div> </div> </td> <td style="padding-bottom: 1.5pt; padding-top: 3pt; vertical-align: Top; width: 58.77pt;"> <div style="line-height: 12pt; text-align: left;"> <div style="margin-left: 8pt; margin-right: 8pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt;">0.09%</span></div> </div> </td> <td style="padding-bottom: 1.5pt; padding-top: 3pt; vertical-align: Top; width: 52.43pt;"> <div style="line-height: 12pt; text-align: left;"> <div style="margin-left: 8pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt;">1.41%</span></div> </div> </td> </tr> </table> <div> <div style="clear: both; margin-top: 12pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">1</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The range of Total Annual Fund Operating Expenses shown above does not take into account any contractual and/or voluntary arrangements under which the funds’ advisers currently reimburse fund expenses or waive fees. Please see the prospectus for each underlying fund for more information about that fund’s expenses.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 2pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">2</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">If a policyowner is deemed to have engaged in “market timing,” a mutual fund may assess redemption fees. See <span style="color: #000000; font-family: times new roman; font-size: 8pt; font-style: italic;">“Frequent Transfers Among the Variable Investment Options.”</span></span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div style="margin-top: 12pt;"><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 you will pay at the time that you buy the Policy, </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0%;">surrender or make withdrawals from the Policy, or transfer Policy Account Value between the investment </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">options and the fixed-rate option.</span><span style="color: #000000; font-family: times new roman; font-size: 1pt; line-height: 1pt;"> </span></div> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456pt; border: 0.5pt solid #000000;"> <tr style="height: 12.5pt;"> <td colspan="4" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 456pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">TRANSACTION FEES</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Amount Deducted</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.0pt;">When Charge Is Deducted</span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed Charge and Current Charge</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Premium Charge</span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">(includes any applicable </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">premium taxes)</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">1</span> <div style="clear: right;"> </div> </div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Upon each premium </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">payment</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">In each of Policy and Coverage Years 1-10</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">2</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">:</span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 2.0pt;">●</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 4.9pt;">8% of premiums paid up to one Target Premium</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">3</span> <div style="clear: right;"> </div> </div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 2.0pt;">●</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 4.9pt;">4% of premiums paid in excess of one Target </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 12.0pt;">Premium</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">3</span> <div style="clear: right;"> </div> </div> </div> </td> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Surrender Charge</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; font-weight: bold; margin-left: 0.0pt; position: relative; top: -4.25pt;">4</span></div> </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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Surrender Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Upon full surrender of the </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">4</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$45.28 per $1,000 of Basic Sum Insured</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Surrender Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Upon full surrender of the </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">4</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$11.22per $1,000 of Basic Sum Insured</span></div> </div> </td> </tr> <tr style="height: 103pt;"> <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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">First Year Surrender </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge for </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</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: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Upon full surrender of the </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">4</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$20.65 per $1,000 of Basic Sum Insured</span></div> </div> </td> </tr> <tr style="height: 24.5pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 109pt;"> <div style="line-height: 11.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed</span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 111pt;"> <div style="line-height: 11.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Current Charge</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Transfer Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Upon transfer</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: 109pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$25 per transfer</span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">(first 12 per year are free)</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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: 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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Policy Continuation </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Rider</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: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">When benefit is elected</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: 109pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">4.5% of Policy Account </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; 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; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">3.5% of Policy Account </span></div> <div style="margin-left: 1.25pt; 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;">Value</span></div> </div> </td> </tr> <tr style="height: 34.5pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Enhanced Accelerated </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Benefit Rider (EAB </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Rider) Charge</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">When benefit is first </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">exercised</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 109pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$250</span></div> </div> </td> <td style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$250</span></div> </div> </td> </tr> </table> <div> <div style="clear: both; margin-top: 12.5pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">1</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The premium charge includes a charge for applicable premium taxes, which vary from jurisdiction to jurisdiction and, in those jurisdictions that charge them, currently range from 0.08%-5% (and certain municipalities in Kentucky charge an additional premium tax of up to 16% on first year premiums only).</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 2.0pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">2</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">Premium charges decline after Policy and Coverage Year 10. In each of Policy and Coverage Years 11 and beyond the guaranteed and current charge is 4% of premiums paid up to one Target Premium. For premiums in excess of one Target Premium the current charge is 0% and the guaranteed charge is 4%.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 2.0pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">3</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The amount of the Target Premium for a Policy depends on the insured’s age, underwriting class and sex (unless gender-neutral rates are required by law). The minimum amount of Basic Sum Insured Target Premium for a non-substandard rated Policy is $2.58 per $1,000 of Face Amount and the maximum amount for a non-substandard rated Policy is $115.00 per $1,000 of Face Amount.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 2.0pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">4</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The surrender charge is imposed upon full surrender of the Policy. The surrender charge decreases every year during the Surrender Charge Period until it reaches 0%. The Policy’s surrender charges and the Surrender Charge Period vary based on the insured’s age at</span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div style="line-height: 10.0pt; margin-left: 16pt; text-align: left;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">issue, sex, and underwriting class for the Initial Face Amount and each increase in Face Amount. The surrender charge shown in the table above may not be representative of the charges you will pay Contact our Customer Service Office Contact Center or write to us at our Mailing Address.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt;"></span><span style="color: #000000; font-family: times new roman; font-size: 1pt; line-height: 1pt;"> </span></div> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456pt; border: 0.5pt solid #000000;"> <tr style="height: 12.5pt;"> <td colspan="4" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 456pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">TRANSACTION FEES</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Amount Deducted</span></div> </div> </td> </tr> <tr style="height: 22pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.0pt;">When Charge Is Deducted</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 109pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 111pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Current Charge</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Alternate Net Cash </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Surrender Value Rider </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">At issue</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: 109pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$1.00 per $1,000 of Basic </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Sum Insured (with a </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">minimum charge of </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$250.00 and a maximum </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">charges of $500.00)</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$1.00 per $1,000 of Basic </span></div> <div style="margin-left: 1.25pt; 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;">Sum Insured (with a </span></div> <div style="margin-left: 1.25pt; 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;">minimum charge of </span></div> <div style="margin-left: 1.25pt; 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;">$250.00 and a maximum </span></div> <div style="margin-left: 1.25pt; 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;">charges of $500.00)</span></div> </div> </td> </tr> <tr style="height: 125pt;"> <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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Reinstatement Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Upon reinstatement</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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)</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;">any amount by which the Policy Account Value </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 16.66pt;">minus Policy Debt was less than zero on the </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 16.66pt;">date of lapse; plus</span></div> <div style="margin-left: 1.25pt; 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;">(2)</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;">interest on Policy Debt from the date of lapse to </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 16.66pt;">the date of reinstatement; </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0.0pt;">plus</span></div> <div style="margin-left: 1.25pt; 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;">(3)</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;">the difference between the surrender charge in </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 16.66pt;">effect at the time the Policy lapsed and the </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 16.66pt;">surrender charge in effect on the date of </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 16.66pt;">reinstatement; plus</span></div> <div style="margin-left: 1.25pt; 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;">(4)</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;">carrying charges on any Lien from date of lapse </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 16.66pt;">to the date of reinstatement</span></div> </div> </td> </tr> <tr style="height: 23.5pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Lost Policy Fee</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">If a duplicate policy is </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">requested</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 109pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$100</span></div> </div> </td> <td style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; 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> </table> <div style="margin-top: 12pt;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0%;">Representative costs may vary from the costs you would incur. Ask for an illustration or see the Policy </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">Data Page for more information on the costs applicable to your policy.</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; line-height: 12pt;"> </span></div> Premium Charge <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Upon each premium </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">payment</span> 0.08 0.04 Surrender Charge <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Surrender Charge</span> <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Upon full surrender of the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">4</span> 45.28 <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Surrender Charge</span> <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Upon full surrender of the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">4</span> 11.22 <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">First Year Surrender </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge for </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span> <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Upon full surrender of the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">4</span> 0.2065 Transfer Charge Upon transfer 25 0 <span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Policy Continuation </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Rider</span> When benefit is elected 0.045 0.035 <span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Enhanced Accelerated </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Benefit Rider (EAB </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Rider) Charge</span> <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">When benefit is first </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">exercised</span> 250 250 <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The premium charge includes a charge for applicable premium taxes, which vary from jurisdiction to jurisdiction and, in those jurisdictions that charge them, currently range from 0.08%-5% (and certain municipalities in Kentucky charge an additional premium tax of up to 16% on first year premiums only).</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div><div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">Premium charges decline after Policy and Coverage Year 10. In each of Policy and Coverage Years 11 and beyond the guaranteed and current charge is 4% of premiums paid up to one Target Premium. For premiums in excess of one Target Premium the current charge is 0% and the guaranteed charge is 4%.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div><div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The amount of the Target Premium for a Policy depends on the insured’s age, underwriting class and sex (unless gender-neutral rates are required by law). The minimum amount of Basic Sum Insured Target Premium for a non-substandard rated Policy is $2.58 per $1,000 of Face Amount and the maximum amount for a non-substandard rated Policy is $115.00 per $1,000 of Face Amount.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> The surrender charge is imposed upon full surrender of the Policy. The surrender charge decreases every year during the Surrender Charge Period until it reaches 0%. The Policy’s surrender charges and the Surrender Charge Period vary based on the insured’s age atissue, sex, and underwriting class for the Initial Face Amount and each increase in Face Amount. The surrender charge shown in the table above may not be representative of the charges you will pay Contact our Customer Service Office Contact Center or write to us at our Mailing Address. <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Alternate Net Cash </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Surrender Value Rider </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span> At issue 1.00 1.00 Reinstatement Charge Upon reinstatement Lost Policy Fee <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">If a duplicate policy is </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">requested</span> 100 0 <div style="margin-top: 12pt;"><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 you will pay periodically during the time that you own </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">the Policy, not including the underlying mutual fund fees and expenses.</span><span style="color: #000000; font-family: times new roman; font-size: 1pt; line-height: 1pt;"> </span></div> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456pt; border: 0.5pt solid #000000;"> <tr style="height: 12.5pt;"> <td colspan="4" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 456pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">PERIODIC CHARGES (Other than Mutual Fund Operating Expenses)</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Amount Deducted</span></div> </div> </td> </tr> <tr style="height: 22pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.0pt;">When Charge Is Deducted</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 109pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed</span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 111pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Current Charge</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed Charge and Current Charge</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Base Contract Charge:</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Cost of Insurance</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; font-weight: bold; margin-left: 0.0pt; position: relative; top: -4.25pt;">1</span></div> </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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$5.15 per $1,000 of Net Amount at Risk (NAR)</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">2</span> <div style="clear: right;"> </div> </div> </div> </td> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$0.01 per $1,000 of NAR</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">3</span> <div style="clear: right;"> </div> </div> </div> </td> </tr> <tr style="height: 100.5pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">First Year Cost of </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Insurance Charge for </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$.10 per $1,000 of NAR</span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456pt; border: 0.5pt solid #000000;"> <tr style="height: 12.5pt;"> <td colspan="4" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 456pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">PERIODIC CHARGES (Other than Mutual Fund Operating Expenses)</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Amount Deducted</span></div> </div> </td> </tr> <tr style="height: 22pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.0pt;">When Charge Is Deducted</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 109pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed</span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 111pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Current Charge</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed Charge and Current Charge</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Mortality and Expense </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Risk Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</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: 109pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">.25% annually of the </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Policy Account Value in </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">the variable investment </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; 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; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">.00% annually of the </span></div> <div style="margin-left: 1.25pt; 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;">Policy Account Value in </span></div> <div style="margin-left: 1.25pt; 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 variable investment </span></div> <div style="margin-left: 1.25pt; 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;">options</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Administrative </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Expenses</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; font-weight: bold; margin-left: 0.0pt; position: relative; top: -4.25pt;">4</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0.0pt;"> (per $1,000)</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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </span></div> </div> </td> </tr> <tr style="height: 24.5pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 109pt;"> <div style="line-height: 11.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed</span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 111pt;"> <div style="line-height: 11.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Current Charge</span></div> </div> </td> </tr> <tr style="height: 70pt;"> <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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</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: 109pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$0.94 per $1,000 of Basic </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Sum Insured and each </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Policy Segment in all </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Policy Years</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$0.94 per $1,000 of Basic </span></div> <div style="margin-left: 1.25pt; 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;">Sum Insured and each </span></div> <div style="margin-left: 1.25pt; 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;">Policy Segment for the </span></div> <div style="margin-left: 1.25pt; 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;">first ten Policy Years and </span></div> <div style="margin-left: 1.25pt; 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;">first ten Coverage Years </span></div> <div style="margin-left: 1.25pt; 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;">for each Policy Segment</span></div> </div> </td> </tr> <tr style="height: 70pt;"> <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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</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: 109pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$0.05 per $1,000 of Basic </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Sum Insured and each </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Policy Segment in all </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Policy Years</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$0.05 per $1,000 of Basic </span></div> <div style="margin-left: 1.25pt; 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;">Sum Insured and each </span></div> <div style="margin-left: 1.25pt; 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;">Policy Segment for the </span></div> <div style="margin-left: 1.25pt; 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;">first ten Policy Years and </span></div> <div style="margin-left: 1.25pt; 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;">first ten coverage Years </span></div> <div style="margin-left: 1.25pt; 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;">for each Policy Segment</span></div> </div> </td> </tr> <tr style="height: 92pt;"> <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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Administrative Charge </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">for Representative </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Insured: a male, issue age </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">40, in the preferred NT </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</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: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$0.16 per $1,000 of Basic Sum Insured</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Indexed Account </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</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: 109pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">1.00% annually of the </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Policy Account Value in </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">the Indexed Account</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">.45% annually of the </span></div> <div style="margin-left: 1.25pt; 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;">Policy Account Value in </span></div> <div style="margin-left: 1.25pt; 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 Indexed Account</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Policy Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</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: 109pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$7.50</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 111pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$7.50 to the later of the </span></div> <div style="margin-left: 1.25pt; 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;">30</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">th</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;"> Policy Anniversary </span></div> <div style="margin-left: 1.25pt; 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;">or the insured’s Attained </span></div> <div style="margin-left: 1.25pt; 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;">Age 100</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Interest on Policy Loans</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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Standard Loans</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; font-weight: bold; margin-left: 0.0pt; position: relative; top: -4.25pt;">5,6</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: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Annually, in arrears, on the </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Anniversary</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">4% annually on all outstanding Policy Debt until the </span></div> <div style="margin-left: 1.25pt; 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;">later of the Insured’s Attained Age 60 or the 10th </span></div> <div style="margin-left: 1.25pt; 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;">Policy Anniversary.</span></div> <div style="margin-left: 1.25pt; 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;">See footnotes for charges thereafter.</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">6</span> <div style="clear: right;"> </div> </div> </div> </td> </tr> <tr style="height: 23.5pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Indexed Loans</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; font-weight: bold; margin-left: 0.0pt; position: relative; top: -4.25pt;">7</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Annually, in arrears, on the </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Anniversary</span></div> </div> </td> <td colspan="2" style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">6% annually on all outstanding Policy Debt</span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456pt; border: 0.5pt solid #000000;"> <tr style="height: 12.5pt;"> <td colspan="4" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 456pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">PERIODIC CHARGES (Other than Mutual Fund Operating Expenses)</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Amount Deducted</span></div> </div> </td> </tr> <tr style="height: 22pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.0pt;">When Charge Is Deducted</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 109pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed</span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 111pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Current Charge</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed Charge and Current Charge</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Carrying Charges on </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Liens</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: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Annually, in arrears, on the </span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Anniversary</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">For Liens up to the Policy Account Value, the lesser </span></div> <div style="margin-left: 1.25pt; 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;">of the standard policy loan interest rate and the </span></div> <div style="margin-left: 1.25pt; 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;">Variable Interest Rate. For Liens over the Policy </span></div> <div style="margin-left: 1.25pt; 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;">Account Value, the Variable Interest Rate.</span></div> <div style="margin-left: 1.25pt; 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;">See “</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-style: italic; margin-left: 0.0pt;">Enhanced Accelerated Benefit (EAB) Rider</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">”</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Optional Benefits </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Charges</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; font-weight: bold; margin-left: 0.0pt; position: relative; top: -4.25pt;">8</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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Accidental Death </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Benefit Rider (ADB)</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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$.11 per $1,000 of ADB Face Amount</span></div> </div> </td> </tr> <tr style="height: 26pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$.06 per $1,000 of ADB Face Amount</span></div> </div> </td> </tr> <tr style="height: 92pt;"> <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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge for </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$.07 per $1,000 of ADB Face Amount</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Waiver of Monthly </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Deductions Rider </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">(WMD)</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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$.11 per $1.00 of Monthly Deduction</span></div> </div> </td> </tr> <tr style="height: 26pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$.01 per $1.00 of Monthly Deduction</span></div> </div> </td> </tr> <tr style="height: 92pt;"> <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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge for </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$.04 per $1.00 of Monthly Deduction</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Whole Life Purchase </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Option Rider (WLPO)</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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$.40 per $1,000 of WLPO face amount</span></div> </div> </td> </tr> <tr style="height: 23.5pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$.02 per $1,000 of WLPO face amount</span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456pt; border: 0.5pt solid #000000;"> <tr style="height: 12.5pt;"> <td colspan="4" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 456pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">PERIODIC CHARGES (Other than Mutual Fund Operating Expenses)</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Amount Deducted</span></div> </div> </td> </tr> <tr style="height: 22pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.0pt;">When Charge Is Deducted</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 109pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed</span></div> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold;">Charge</span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 111pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Current Charge</span></div> </div> </td> </tr> <tr style="height: 13pt;"> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 113pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -57.5pt;"> </span></div> </div> </td> <td style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: -61.5pt;"> </span></div> </div> </td> <td colspan="2" style="background-color: #e5e5e5; border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 220pt;"> <div style="line-height: 10.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 8pt; font-weight: bold; margin-left: 0.00pt;">Maximum Guaranteed Charge and Current Charge</span></div> </div> </td> </tr> <tr style="height: 92pt;"> <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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge for </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$.13 per $1,000 of WLPO Face amount</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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Disability Benefit Rider </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">(waiver of specified </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">amount) (DB)</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: 123pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;"> </span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;"> </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: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$9.67 per $100 of the Specified Amount as defined </span></div> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">in the DBR</span></div> </div> </td> </tr> <tr style="height: 26pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 12.0pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 3pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">$.93 per $100 of the Specified Amount as defined in </span></div> <div style="margin-left: 1.25pt; 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 DBR</span></div> </div> </td> </tr> <tr style="height: 89.5pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 113pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge for </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span></div> <div style="margin-left: 3pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 123pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; margin-right: 1.25pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Monthly</span></div> </div> </td> <td colspan="2" style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 220pt;"> <div style="line-height: 11pt; text-align: left;"> <div style="margin-left: 1.25pt; 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;">$3.06 per $100 of Specified Amount</span></div> </div> </td> </tr> </table> <div style="margin-top: 12pt;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0%;">Representative costs may vary from the cost you would incur. Ask for an illustration or see the Policy Data </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">Page for more information on the costs applicable to your policy.</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; line-height: 12pt;"> </span></div> <div> <div style="clear: both; margin-top: 1.95pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">1</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The cost of insurance charge varies based on the insured’s age, policy duration, sex, underwriting class and Face Amount for the Initial Face Amount and each increase in Face Amount. See “Deductions and Charges.” The representative cost of insurance charge shown may not be representative of the charges that you will pay. For more details, contact your registered representative.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 1.96pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">2</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The charge shown is for underwriting classes Preferred Plus NT, Preferred NT, non-smoker and standard. For substandard risks the maximum first year guaranteed or current charge is $34.80 per $1,000 of NAR.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 1.97pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">3</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The charge shown is for underwriting classes Preferred Plus NT, Preferred NT, non-smoker and standard. For substandard risks the minimum first year guaranteed or current charge is $0.01 per $1,000 of NAR.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 1.97pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">4</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">Currently, the administrative charge is imposed for the first 10 Policy Years and Coverage Years only. It is based on the insured’s age, sex, and underwriting class for the Basic Sum Insured and each Policy Segment. See “Deductions and Charges.” The administrative charge shown in the table may not be representative of the charges you will pay. For more details, contact your registered representative.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 1.96pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">5</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">After the later of the Insured’s Attained Age 60 or the 10th Policy Anniversary the maximum guaranteed interest rate is 3.5% for all outstanding and new Policy loans, and the current interest rate is 3% for all outstanding and new Policy loans.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div style="clear: both; margin-top: 1.97pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">6</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435pt;"><span style="color: #000000; font-family: Times New Roman; font-size: 8pt;">After taking into account the interest GIAC credits to the Loan Account, your effective rate of borrowing for a standard loan would be: (i) on a <b>current basis</b>, 1% annually until the later of the insured’s Attained Age 60 or the 10th Policy Anniversary, and 0% thereafter on all outstanding and new Policy loans, and (ii) on a <b>guaranteed basis</b>, 1% annually until the later of the insured’s Attained Age 60 or the 10th Policy Anniversary, and 0.5% thereafter for all outstanding and new Policy loans.</span><span style="color: #000000; font-family: Times New Roman; font-size: 8pt; line-height: 10pt;"> </span></div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 1.97pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">7</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">Beginning on the 5th Policy Anniversary, the policyowner will have the option of taking a standard Policy loan or an indexed Policy loan. Only one type of Policy loan may be outstanding at any time. Amounts borrowed from Policy Account Value in the indexed option, if borrowed as an indexed loan, do not go into a separate Loan Collateral Account. These amounts are credited interest at 1.5% for Policy Account Value in the Holding Account and with index-linked interest for Policy Account Value in Indexed Segments.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 1.96pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">8</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">Charges for the ADB Rider, the WLPO Rider, the WMD Rider, and the DB Rider vary based on individual characteristics of the insured. The charges shown for the ADB, WMD, and DB riders are for underwriting classes Preferred Plus NT, Preferred NT, non-smoker and standard; for substandard there is an additional multiple increase. The charges shown may not be representative of the charges that you will pay. For more details, contact your registered representative.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> Cost of Insurance <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span> Monthly 5.15 <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span> Monthly 0.01 <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">First Year Cost of </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Insurance Charge for </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span> Monthly 0.10 <span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Mortality and Expense </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Risk Charge</span> Monthly 0.0025 0.0000 <span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Administrative </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Expenses</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; font-weight: bold; margin-left: 0.0pt; position: relative; top: -4.25pt;">4</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0.0pt;"> (per $1,000)</span> Maximum Charge Monthly 0.94 0.94 Minimum Charge Monthly 0.05 0.05 <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Administrative Charge </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">for Representative </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Insured: a male, issue age </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">40, in the preferred NT </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span> Monthly 0.16 <span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Indexed Account </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Charge</span> Monthly 0.0100 0.0045 Policy Charge Monthly 7.50 7.50 Interest on Policy Loans Standard Loans <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Annually, in arrears, on the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Anniversary</span> 0.04 0.04 Indexed Loans <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Annually, in arrears, on the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Anniversary</span> 0.06 0.06 <span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Carrying Charges on </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Liens</span> <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Annually, in arrears, on the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Anniversary</span> <span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Optional Benefits </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Charges</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; font-weight: bold; margin-left: 0.0pt; position: relative; top: -4.25pt;">8</span> <span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Accidental Death </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Benefit Rider (ADB)</span> <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span> Monthly 0.11 <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span> Monthly 0.06 <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge for </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span> Monthly 0.07 <span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Waiver of Monthly </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Deductions Rider </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">(WMD)</span> <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span> Monthly 0.11 <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span> Monthly 0.01 <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge for </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span> Monthly 0.04 <span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Whole Life Purchase </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Option Rider (WLPO)</span> <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span> Monthly 0.40 <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span> Monthly 0.02 <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge for </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span> Monthly 0.0013 <span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">Disability Benefit Rider </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">(waiver of specified </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 3.0pt;">amount) (DB)</span> <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Maximum First Year </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span> Monthly 9.67 <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Minimum First Year </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge</span> Monthly 0.93 <span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Charge for </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Representative Insured: a </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">male, issue age 40, in the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">preferred NT </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">underwriting class, with a </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Face Amount of </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">$500,000 in the first </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 3.0pt;">Policy Year</span> Monthly 3.06 <div> <div style="clear: both; margin-top: 1.95pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">1</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The cost of insurance charge varies based on the insured’s age, policy duration, sex, underwriting class and Face Amount for the Initial Face Amount and each increase in Face Amount. See “Deductions and Charges.” The representative cost of insurance charge shown may not be representative of the charges that you will pay. For more details, contact your registered representative.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 1.96pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">2</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The charge shown is for underwriting classes Preferred Plus NT, Preferred NT, non-smoker and standard. For substandard risks the maximum first year guaranteed or current charge is $34.80 per $1,000 of NAR.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 1.97pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">3</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The charge shown is for underwriting classes Preferred Plus NT, Preferred NT, non-smoker and standard. For substandard risks the minimum first year guaranteed or current charge is $0.01 per $1,000 of NAR.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> Currently, the administrative charge is imposed for the first 10 Policy Years and Coverage Years only. It is based on the insured’s age, sex, and underwriting class for the Basic Sum Insured and each Policy Segment. See “Deductions and Charges.” The administrative charge shown in the table may not be representative of the charges you will pay. For more details, contact your registered representative. <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">After the later of the Insured’s Attained Age 60 or the 10th Policy Anniversary the maximum guaranteed interest rate is 3.5% for all outstanding and new Policy loans, and the current interest rate is 3% for all outstanding and new Policy loans.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div><div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435pt;"><span style="color: #000000; font-family: Times New Roman; font-size: 8pt;">After taking into account the interest GIAC credits to the Loan Account, your effective rate of borrowing for a standard loan would be: (i) on a <b>current basis</b>, 1% annually until the later of the insured’s Attained Age 60 or the 10th Policy Anniversary, and 0% thereafter on all outstanding and new Policy loans, and (ii) on a <b>guaranteed basis</b>, 1% annually until the later of the insured’s Attained Age 60 or the 10th Policy Anniversary, and 0.5% thereafter for all outstanding and new Policy loans.</span><span style="color: #000000; font-family: Times New Roman; font-size: 8pt; line-height: 10pt;"> </span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">After the later of the Insured’s Attained Age 60 or the 10th Policy Anniversary the maximum guaranteed interest rate is 3.5% for all outstanding and new Policy loans, and the current interest rate is 3% for all outstanding and new Policy loans.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div><div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435pt;"><span style="color: #000000; font-family: Times New Roman; font-size: 8pt;">After taking into account the interest GIAC credits to the Loan Account, your effective rate of borrowing for a standard loan would be: (i) on a <b>current basis</b>, 1% annually until the later of the insured’s Attained Age 60 or the 10th Policy Anniversary, and 0% thereafter on all outstanding and new Policy loans, and (ii) on a <b>guaranteed basis</b>, 1% annually until the later of the insured’s Attained Age 60 or the 10th Policy Anniversary, and 0.5% thereafter for all outstanding and new Policy loans.</span><span style="color: #000000; font-family: Times New Roman; font-size: 8pt; line-height: 10pt;"> </span></div> Beginning on the 5th Policy Anniversary, the policyowner will have the option of taking a standard Policy loan or an indexed Policy loan. Only one type of Policy loan may be outstanding at any time. Amounts borrowed from Policy Account Value in the indexed option, if borrowed as an indexed loan, do not go into a separate Loan Collateral Account. These amounts are credited interest at 1.5% for Policy Account Value in the Holding Account and with index-linked interest for Policy Account Value in Indexed Segments. Charges for the ADB Rider, the WLPO Rider, the WMD Rider, and the DB Rider vary based on individual characteristics of the insured. The charges shown for the ADB, WMD, and DB riders are for underwriting classes Preferred Plus NT, Preferred NT, non-smoker and standard; for substandard there is an additional multiple increase. The charges shown may not be representative of the charges that you will pay. For more details, contact your registered representative. <div style="line-height: 12.0pt; text-align: justify;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0%;">The next table shows the minimum and maximum total operating expenses charged by the Funds that you </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0%;">may pay periodically during the time that you own the Policy. A complete list of the Funds available under </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">the Policy, including their annual expenses, may be found at the back of this Prospectus.</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; line-height: 12pt;"> </span></div> <div style="margin-top: 12pt;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-style: italic; font-weight: bold; margin-left: 0%;">Annual Portfolio Company Expenses</span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">(expenses that are deducted from Portfolio Company assets of the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0%;">underlying mutual funds including management fees, distribution [and/or service] (12b-1) fees, and other </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">expenses).</span><span style="color: #000000; font-family: times new roman; font-size: 1pt; line-height: 1pt;"> </span></div> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456pt;"> <tr style="height: 13pt;"> <td style="padding-bottom: 3pt; padding-top: 3pt; vertical-align: Bottom; width: 344.8pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-right: 8pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; margin-left: 0.0pt;"> </span></div> </div> </td> <td style="padding-bottom: 3pt; padding-top: 3pt; vertical-align: Bottom; width: 58.77pt;"> <div style="line-height: 12pt; text-align: left;"> <div style="margin-left: 8pt; margin-right: 8pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">Minimum</span></div> </div> </td> <td style="padding-bottom: 3pt; padding-top: 3pt; vertical-align: Bottom; width: 52.43pt;"> <div style="line-height: 12pt; text-align: left;"> <div style="margin-left: 8pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">Maximum</span></div> </div> </td> </tr> <tr style="height: 12pt;"> <td style="padding-bottom: 1.5pt; padding-top: 3pt; vertical-align: Top; width: 344.8pt;"> <div style="line-height: 12pt; text-align: left;"> <div style="margin-right: 8pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0.0pt;">Total Annual Portfolio Company Expenses</span><span style="color: #000000; font-family: times new roman; font-size: 6.5pt; margin-left: 0.0pt; position: relative; top: -4.25pt;">1,2</span></div> </div> </td> <td style="padding-bottom: 1.5pt; padding-top: 3pt; vertical-align: Top; width: 58.77pt;"> <div style="line-height: 12pt; text-align: left;"> <div style="margin-left: 8pt; margin-right: 8pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt;">0.09%</span></div> </div> </td> <td style="padding-bottom: 1.5pt; padding-top: 3pt; vertical-align: Top; width: 52.43pt;"> <div style="line-height: 12pt; text-align: left;"> <div style="margin-left: 8pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 10pt;">1.41%</span></div> </div> </td> </tr> </table> <div> <div style="clear: both; margin-top: 12pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">1</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The range of Total Annual Fund Operating Expenses shown above does not take into account any contractual and/or voluntary arrangements under which the funds’ advisers currently reimburse fund expenses or waive fees. Please see the prospectus for each underlying fund for more information about that fund’s expenses.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 2pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">2</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">If a policyowner is deemed to have engaged in “market timing,” a mutual fund may assess redemption fees. See <span style="color: #000000; font-family: times new roman; font-size: 8pt; font-style: italic;">“Frequent Transfers Among the Variable Investment Options.”</span></span></div> </div> <div style="clear: both; position: relative;"> </div> </div> Total Annual Portfolio Company Expenses 0.0009 0.0141 <div> <div style="clear: both; margin-top: 12pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">1</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">The range of Total Annual Fund Operating Expenses shown above does not take into account any contractual and/or voluntary arrangements under which the funds’ advisers currently reimburse fund expenses or waive fees. Please see the prospectus for each underlying fund for more information about that fund’s expenses.</span><span style="color: #000000; font-family: times new roman; font-size: 8pt; line-height: 10pt;"> </span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <div style="clear: both; margin-top: 2pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">2</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">If a policyowner is deemed to have engaged in “market timing,” a mutual fund may assess redemption fees. See <span style="color: #000000; font-family: times new roman; font-size: 8pt; font-style: italic;">“Frequent Transfers Among the Variable Investment Options.”</span></span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div> <span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">PRINCIPAL RISKS OF INVESTING IN THE POLICY</span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">The principal risks of investing in the Policy are as follows:</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Insurance Company Risks.</span><span style="color:#000000;font-family:times new roman;font-size:10pt"> An investment in the contract is subject to the risks related to us, including that any </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">obligations (including under the fixed-rate option), guarantees, and benefits of the contract are subject to our </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you. </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">More information about GIAC, including our financial strength ratings, is available by contacting us at </span><span style="color:#000000;font-family:times new roman;font-size:10pt">1-888-GUARDIAN </span><span style="color:#000000;font-family:times new roman;font-size:10pt">(1-888-482-7342)</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;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Investment Risk.</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">If you invest your Policy’s cash value in one or more of the variable investment options and/or </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">the indexed option, then you will be subject to the risk that investment performance will be unfavorable and that </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">your cash value will decrease. In addition, we deduct Policy fees and charges from your Policy’s cash value, </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">which can significantly reduce your Policy Account Value. During times of poor investment performance, this </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">deduction will have an even greater impact on your Policy Account Value. It is possible to lose your full </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">investment and your Policy could lapse without value, unless you pay additional premium. If you allocate cash </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">value to the fixed-rate option, then we credit such cash value with a declared rate of interest. You assume the risk </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">that the rate may decrease, although it will never be lower than the guaranteed minimum annual effective rate of </span><span style="color:#000000;font-family:times new roman;font-size:10pt">1.5%.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Surrender and Withdrawal Risks.</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">The Policies are designed to provide lifetime insurance protection. They are </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">not offered primarily as an investment, and should not be used as a short-term savings vehicle. If you surrender </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">the Policy within the Surrender Period, you will be subject to a surrender charge as well as income tax on any </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">gain that is distributed or deemed to be distributed from the Policy. You will also be subject to a surrender charge </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">if you make a partial withdrawal from the Policy within the Surrender Period if the partial withdrawal reduces </span><span style="color:#000000;font-family:times new roman;font-size:10pt">the face amount.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">You should purchase the Policy only if you have the financial ability to keep it in force for a substantial period of </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">time. You should not purchase the Policy if you intend to surrender all or part of the Policy’s cash value in the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">near future. Even if you do not ask to surrender your Policy, surrender charges may play a role in determining </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">whether your Policy will lapse (terminate without value), because surrender charges determine the cash </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">surrender value, which is a measure we use to determine whether your Policy will enter the grace period (and </span><span style="color:#000000;font-family:times new roman;font-size:10pt">possibly lapse).</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Risk of Lapse.</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">Your Policy may lapse if you have paid an insufficient amount of premiums or if the investment </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">experience of the variable investment options and/or indexed option is poor. If your cash surrender value is not </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">enough to pay the Monthly Deduction, your Policy may enter a 61-day grace period. We will notify you that the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Policy will lapse unless you make a sufficient payment of additional premium during the grace period. Your </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Policy generally will not lapse if your Policy has the Guaranteed Coverage Rider or the No Lapse Guarantee. If </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">your Policy does lapse, your insurance coverage will terminate, although you will be given an opportunity to </span><span style="color:#000000;font-family:times new roman;font-size:10pt">reinstate it. Lapse of a Policy on which there is an outstanding loan may have adverse tax consequences.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Tax Risks.</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">We anticipate that the Policy should be deemed to be a life insurance contract under Federal tax law. </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">However, the rules are not entirely clear in certain circumstances, for example, if your Policy is issued on a </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">substandard basis. The death benefit under the Policy will never be less than the minimum amount required for </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">the Policy to be treated as life insurance under section 7702 of the Internal Revenue Code, as in effect on the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">date the Policy was issued. If your Policy is not treated as a life insurance contract under Federal tax law, </span><span style="color:#000000;font-family:times new roman;font-size:10pt">increases in the Policy’s cash value will be taxed currently.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Even if your Policy is treated as a life insurance contract for Federal tax purposes, it may become a modified </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">endowment contract due to the payment of excess premiums or unnecessary premiums, due to a material change </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">or due to a reduction in your death benefit. If your Policy becomes a modified endowment contract, surrenders, </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">partial withdrawals, loans, and use of the Policy as collateral for a loan will be treated as a distribution of the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">earnings in the Policy and will be taxable as ordinary income to the extent thereof. In addition, if the Policy </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Owner is under age 59</span><span style="color:#000000;font-family:times new roman;font-size:6pt;position:relative;top:-2.66pt"> 1</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">2</span><span style="color:#000000;font-family:times new roman;font-size:10pt"> at the time of the surrender, partial withdrawal or loan, the amount that is included in </span><span style="color:#000000;font-family:times new roman;font-size:10pt">income will generally be subject to a 10% penalty tax.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="line-height:12.0pt;text-align:justify;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">If the Policy is not a modified endowment contract, distributions generally will be treated first as a return of </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">basis or investment in the contract and then as taxable income. However, different rules apply in the first fifteen </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Policy years, when distributions accompanied by benefit reductions may be taxable prior to a complete </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">withdrawal of your investment in the Policy. Moreover, loans will generally not be treated as distributions prior </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">to termination of your Policy, whether by lapse, surrender or exchange. Additionally, the tax consequences of </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">loans outstanding after the tenth Policy year are uncertain. Finally, neither distributions nor loans from a Policy </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">that is not a modified endowment contract are subject to the 10% penalty tax. See “Federal Tax Considerations.” </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic">You should consult a qualified tax adviser for assistance in all Policy-related tax matters</span><span style="color:#000000;font-family:times new roman;font-size:10pt">.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Loan Risks.</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">A loan, whether or not repaid, will affect the cash value of your Policy over time because we </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">subtract the amount of the loan from the variable investment options, indexed option, and/or fixed-rate option as </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">collateral, and hold it in our Loan Account. This loan collateral does not participate in the investment experience </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">of the variable investment options and/or indexed option or receive any higher current interest rate credited to </span><span style="color:#000000;font-family:times new roman;font-size:10pt">the fixed-rate option.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">We also reduce the amount we pay on the insured’s death by the amount of any outstanding loan and accrued </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">loan interest. Your Policy may lapse if your outstanding loan and accrued loan interest reduce the cash surrender </span><span style="color:#000000;font-family:times new roman;font-size:10pt">value to zero.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">If you surrender your Policy or your Policy lapses while there is an outstanding loan, there will generally be </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Federal income tax payable on the amount by which loans and partial withdrawals exceed the premiums paid. </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Since loans and partial withdrawals reduce your Policy’s cash value, any remaining cash value may be </span><span style="color:#000000;font-family:times new roman;font-size:10pt">insufficient to pay the income tax due.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Limitations on Cash Value in the Fixed Account.</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">You may allocate some or all of your Net Premiums to the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">fixed-rate option, and may transfer some or all of your Policy Account Value into the fixed-rate option. We can </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">restrict allocations and transfers to the fixed-rate option. You may only transfer your Policy Account Value out of </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">the fixed-rate option once each Policy Year. The maximum that you may transfer out of the fixed-rate option </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">each Policy Year is either 33</span><span style="color:#000000;font-family:times new roman;font-size:6pt;position:relative;top:-2.66pt"> 1</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">% of your Policy Account Value allocated to the fixed-rate option on the Policy </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Anniversary on or immediately preceding the date of transfer, or $2,500, whichever is higher. Because of these </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">limitations, if you want to transfer all of your Policy Account Value from the fixed-rate option to one or more </span><span style="color:#000000;font-family:times new roman;font-size:10pt">variable investment options, it may take several years to do so.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Tax Law Changes.</span><span style="color:#000000;font-family:times new roman;font-size:10pt"> Tax </span><span style="color:#000000;font-family:times new roman;font-size:10pt">laws, regulations, and interpretations have often been changed in the past and such </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">changes continue to be proposed. To the extent that you purchase a Policy based on expected tax benefits, </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">relative to other financial or investment products or strategies, there is no certainty that such advantages will </span><span style="color:#000000;font-family:times new roman;font-size:10pt">always continue to exist.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Risks of the Underlying Mutual 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">A comprehensive discussion of the risks associated with each of the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">underlying mutual funds can be found in the prospectuses, which you can obtain by calling 1-888-GUARDIAN </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">(1-888-482-7342). </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">There is no assurance that any of the underlying mutual funds will achieve its stated </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">investment objective.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold">Business Continuity Risk</span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt"> </span></div><div style="margin-top:2pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Our variable product business is highly dependent upon our employees, and the employees of our service </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">providers and business partners, being able to perform their job responsibilities, so our business is potentially </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">susceptible to risks that impact employees and could adversely affect our ability to continue to conduct business. </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">These risks include, among other things, natural and man-made disasters and catastrophes, such as (but not </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">limited to) storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts. A natural or </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">man-made disaster or catastrophe, including a pandemic (such as COVID-19), could affect the ability or </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">willingness of employees to perform their job responsibilities. Even if our employees and the employees of our </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">service providers are able to work remotely, those working arrangements could result in our business operations </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">being less efficient than under normal circumstances and could lead to delays in our processing of policy-related </span></div><div style="line-height:12.0pt;text-align:justify;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">transactions. Such catastrophic events may also negatively affect the computer and other systems we rely upon, </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">impact our ability to calculate accumulation unit values, or have other possible negative impacts. There can be </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">no assurance that we, or our service providers, will be able to successfully avoid negative impacts associated </span><span style="color:#000000;font-family:times new roman;font-size:10pt">with natural and man-made disasters and catastrophes.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold">Cyber Security Risk</span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt"> </span></div><div style="margin-top:2pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Our variable product business is highly dependent upon our computer systems and those of our business </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">partners, so our business is potentially susceptible to risks resulting from a cyber-attack. These risks include, </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">among other things, the theft, misuse, corruption and destruction of data maintained online or digitally, </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">operational disruption, and unauthorized release of confidential customer information. A cyber-attack may </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">adversely affect us and your Policy transactions or our ability to calculate unit values, or causing the release and </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">possible destruction of confidential customer or business information. Cyber security risks may also impact the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">issuers of securities in which the underlying funds invest, which may cause the funds underlying your Policy to </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">lose value. While we will continue to take steps to keep our systems safe, there can be no assurance that we or </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">the underlying funds or our service providers will avoid losses due to cyber-attacks or information security </span><span style="color:#000000;font-family:times new roman;font-size:10pt">breaches.</span></div> <div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Insurance Company Risks.</span><span style="color:#000000;font-family:times new roman;font-size:10pt"> An investment in the contract is subject to the risks related to us, including that any </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">obligations (including under the fixed-rate option), guarantees, and benefits of the contract are subject to our </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you. </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">More information about GIAC, including our financial strength ratings, is available by contacting us at </span><span style="color:#000000;font-family:times new roman;font-size:10pt">1-888-GUARDIAN </span><span style="color:#000000;font-family:times new roman;font-size:10pt">(1-888-482-7342)</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;line-height:12pt"> </span></div> <div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Investment Risk.</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">If you invest your Policy’s cash value in one or more of the variable investment options and/or </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">the indexed option, then you will be subject to the risk that investment performance will be unfavorable and that </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">your cash value will decrease. In addition, we deduct Policy fees and charges from your Policy’s cash value, </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">which can significantly reduce your Policy Account Value. During times of poor investment performance, this </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">deduction will have an even greater impact on your Policy Account Value. It is possible to lose your full </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">investment and your Policy could lapse without value, unless you pay additional premium. If you allocate cash </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">value to the fixed-rate option, then we credit such cash value with a declared rate of interest. You assume the risk </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">that the rate may decrease, although it will never be lower than the guaranteed minimum annual effective rate of </span><span style="color:#000000;font-family:times new roman;font-size:10pt">1.5%.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> <div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Surrender and Withdrawal Risks.</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">The Policies are designed to provide lifetime insurance protection. They are </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">not offered primarily as an investment, and should not be used as a short-term savings vehicle. If you surrender </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">the Policy within the Surrender Period, you will be subject to a surrender charge as well as income tax on any </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">gain that is distributed or deemed to be distributed from the Policy. You will also be subject to a surrender charge </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">if you make a partial withdrawal from the Policy within the Surrender Period if the partial withdrawal reduces </span><span style="color:#000000;font-family:times new roman;font-size:10pt">the face amount.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">You should purchase the Policy only if you have the financial ability to keep it in force for a substantial period of </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">time. You should not purchase the Policy if you intend to surrender all or part of the Policy’s cash value in the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">near future. Even if you do not ask to surrender your Policy, surrender charges may play a role in determining </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">whether your Policy will lapse (terminate without value), because surrender charges determine the cash </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">surrender value, which is a measure we use to determine whether your Policy will enter the grace period (and </span><span style="color:#000000;font-family:times new roman;font-size:10pt">possibly lapse).</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> <div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Risk of Lapse.</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">Your Policy may lapse if you have paid an insufficient amount of premiums or if the investment </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">experience of the variable investment options and/or indexed option is poor. If your cash surrender value is not </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">enough to pay the Monthly Deduction, your Policy may enter a 61-day grace period. We will notify you that the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Policy will lapse unless you make a sufficient payment of additional premium during the grace period. Your </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Policy generally will not lapse if your Policy has the Guaranteed Coverage Rider or the No Lapse Guarantee. If </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">your Policy does lapse, your insurance coverage will terminate, although you will be given an opportunity to </span><span style="color:#000000;font-family:times new roman;font-size:10pt">reinstate it. Lapse of a Policy on which there is an outstanding loan may have adverse tax consequences.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> <div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Tax Risks.</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">We anticipate that the Policy should be deemed to be a life insurance contract under Federal tax law. </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">However, the rules are not entirely clear in certain circumstances, for example, if your Policy is issued on a </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">substandard basis. The death benefit under the Policy will never be less than the minimum amount required for </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">the Policy to be treated as life insurance under section 7702 of the Internal Revenue Code, as in effect on the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">date the Policy was issued. If your Policy is not treated as a life insurance contract under Federal tax law, </span><span style="color:#000000;font-family:times new roman;font-size:10pt">increases in the Policy’s cash value will be taxed currently.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Even if your Policy is treated as a life insurance contract for Federal tax purposes, it may become a modified </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">endowment contract due to the payment of excess premiums or unnecessary premiums, due to a material change </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">or due to a reduction in your death benefit. If your Policy becomes a modified endowment contract, surrenders, </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">partial withdrawals, loans, and use of the Policy as collateral for a loan will be treated as a distribution of the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">earnings in the Policy and will be taxable as ordinary income to the extent thereof. In addition, if the Policy </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Owner is under age 59</span><span style="color:#000000;font-family:times new roman;font-size:6pt;position:relative;top:-2.66pt"> 1</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">2</span><span style="color:#000000;font-family:times new roman;font-size:10pt"> at the time of the surrender, partial withdrawal or loan, the amount that is included in </span><span style="color:#000000;font-family:times new roman;font-size:10pt">income will generally be subject to a 10% penalty tax.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="line-height:12.0pt;text-align:justify;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">If the Policy is not a modified endowment contract, distributions generally will be treated first as a return of </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">basis or investment in the contract and then as taxable income. However, different rules apply in the first fifteen </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Policy years, when distributions accompanied by benefit reductions may be taxable prior to a complete </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">withdrawal of your investment in the Policy. Moreover, loans will generally not be treated as distributions prior </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">to termination of your Policy, whether by lapse, surrender or exchange. Additionally, the tax consequences of </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">loans outstanding after the tenth Policy year are uncertain. Finally, neither distributions nor loans from a Policy </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">that is not a modified endowment contract are subject to the 10% penalty tax. See “Federal Tax Considerations.” </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic">You should consult a qualified tax adviser for assistance in all Policy-related tax matters</span><span style="color:#000000;font-family:times new roman;font-size:10pt">.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> <div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Loan Risks.</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">A loan, whether or not repaid, will affect the cash value of your Policy over time because we </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">subtract the amount of the loan from the variable investment options, indexed option, and/or fixed-rate option as </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">collateral, and hold it in our Loan Account. This loan collateral does not participate in the investment experience </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">of the variable investment options and/or indexed option or receive any higher current interest rate credited to </span><span style="color:#000000;font-family:times new roman;font-size:10pt">the fixed-rate option.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">We also reduce the amount we pay on the insured’s death by the amount of any outstanding loan and accrued </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">loan interest. Your Policy may lapse if your outstanding loan and accrued loan interest reduce the cash surrender </span><span style="color:#000000;font-family:times new roman;font-size:10pt">value to zero.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">If you surrender your Policy or your Policy lapses while there is an outstanding loan, there will generally be </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Federal income tax payable on the amount by which loans and partial withdrawals exceed the premiums paid. </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Since loans and partial withdrawals reduce your Policy’s cash value, any remaining cash value may be </span><span style="color:#000000;font-family:times new roman;font-size:10pt">insufficient to pay the income tax due.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> <div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Limitations on Cash Value in the Fixed Account.</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">You may allocate some or all of your Net Premiums to the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">fixed-rate option, and may transfer some or all of your Policy Account Value into the fixed-rate option. We can </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">restrict allocations and transfers to the fixed-rate option. You may only transfer your Policy Account Value out of </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">the fixed-rate option once each Policy Year. The maximum that you may transfer out of the fixed-rate option </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">each Policy Year is either 33</span><span style="color:#000000;font-family:times new roman;font-size:6pt;position:relative;top:-2.66pt"> 1</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">% of your Policy Account Value allocated to the fixed-rate option on the Policy </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Anniversary on or immediately preceding the date of transfer, or $2,500, whichever is higher. Because of these </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">limitations, if you want to transfer all of your Policy Account Value from the fixed-rate option to one or more </span><span style="color:#000000;font-family:times new roman;font-size:10pt">variable investment options, it may take several years to do so.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> <div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Tax Law Changes.</span><span style="color:#000000;font-family:times new roman;font-size:10pt"> Tax </span><span style="color:#000000;font-family:times new roman;font-size:10pt">laws, regulations, and interpretations have often been changed in the past and such </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">changes continue to be proposed. To the extent that you purchase a Policy based on expected tax benefits, </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">relative to other financial or investment products or strategies, there is no certainty that such advantages will </span><span style="color:#000000;font-family:times new roman;font-size:10pt">always continue to exist.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> <div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0%">Risks of the Underlying Mutual 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">A comprehensive discussion of the risks associated with each of the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">underlying mutual funds can be found in the prospectuses, which you can obtain by calling 1-888-GUARDIAN </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">(1-888-482-7342). </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">There is no assurance that any of the underlying mutual funds will achieve its stated </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">investment objective.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> <div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold">Business Continuity Risk</span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt"> </span></div><div style="margin-top:2pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Our variable product business is highly dependent upon our employees, and the employees of our service </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">providers and business partners, being able to perform their job responsibilities, so our business is potentially </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">susceptible to risks that impact employees and could adversely affect our ability to continue to conduct business. </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">These risks include, among other things, natural and man-made disasters and catastrophes, such as (but not </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">limited to) storms, fires, floods, earthquakes, public health crises, malicious acts, and terrorist acts. A natural or </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">man-made disaster or catastrophe, including a pandemic (such as COVID-19), could affect the ability or </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">willingness of employees to perform their job responsibilities. Even if our employees and the employees of our </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">service providers are able to work remotely, those working arrangements could result in our business operations </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">being less efficient than under normal circumstances and could lead to delays in our processing of policy-related </span></div><div style="line-height:12.0pt;text-align:justify;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">transactions. Such catastrophic events may also negatively affect the computer and other systems we rely upon, </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">impact our ability to calculate accumulation unit values, or have other possible negative impacts. There can be </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">no assurance that we, or our service providers, will be able to successfully avoid negative impacts associated </span><span style="color:#000000;font-family:times new roman;font-size:10pt">with natural and man-made disasters and catastrophes.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> <div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold">Cyber Security Risk</span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt"> </span></div><div style="margin-top:2pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Our variable product business is highly dependent upon our computer systems and those of our business </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">partners, so our business is potentially susceptible to risks resulting from a cyber-attack. These risks include, </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">among other things, the theft, misuse, corruption and destruction of data maintained online or digitally, </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">operational disruption, and unauthorized release of confidential customer information. A cyber-attack may </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">adversely affect us and your Policy transactions or our ability to calculate unit values, or causing the release and </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">possible destruction of confidential customer or business information. Cyber security risks may also impact the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">issuers of securities in which the underlying funds invest, which may cause the funds underlying your Policy to </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">lose value. While we will continue to take steps to keep our systems safe, there can be no assurance that we or </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">the underlying funds or our service providers will avoid losses due to cyber-attacks or information security </span><span style="color:#000000;font-family:times new roman;font-size:10pt">breaches.</span></div> <div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Death Benefit Options</span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">You have a choice of three death benefit options (Option or Options) with this Policy</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"> You must choose the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Option you want when you complete your application. You should choose the Option that best meets your </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">insurance needs and investment objectives.</span><span style="color:#000000;font-family:times new roman;font-size:10pt"> If </span><span style="color:#000000;font-family:times new roman;font-size:10pt">a fixed amount of insurance coverage and lower Monthly </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Deductions best fit your needs you should choose Option1. If you </span><span style="color:#000000;font-family:times new roman;font-size:10pt">want the potential to increase the amount of </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">your insurance coverage beyond your Policy’s Face Amount you should choose Option 2. If you want to </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">recapture the premiums you have paid into the Policy, you should choose Option 3. You may change your death </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">benefit option at any time on and after the first Policy Anniversary, subject to certain limitations and conditions. </span><span style="color:#000000;font-family:times new roman;font-size:10pt">See </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic">“Changing Your Death Benefit Option.”</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">The Option you elected will take effect and be issued as part of the Policy once you have paid at least your </span><span style="color:#000000;font-family:times new roman;font-size:10pt">Minimum to Issue Premium.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Option 1</span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;line-height:12pt"> </span></div><div style="margin-top:2pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Under Option 1, your death benefit on any date prior to the Policy Anniversary nearest the insured’s </span><span style="color:#000000;font-family:times new roman;font-size:10pt">121</span><span style="color:#000000;font-family:times new roman;font-size:6.5pt;position:relative;top:-4.25pt">st</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">birthday is the greater of:</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:left;width:439.00pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the Face Amount; or</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the minimum death benefit required under Section 7702 as calculated on the Monthly Processing Date </span><span style="color:#000000;font-family:times new roman;font-size:10pt">preceding the date of death, less any partial withdrawals that may have occurred after that Monthly </span><span style="color:#000000;font-family:times new roman;font-size:10pt">Processing Date; or</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the minimum death benefit required under Section 7702 of the Internal Revenue Code, as calculated as of the </span><span style="color:#000000;font-family:times new roman;font-size:10pt">date of death.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Under Option 1, if your investments perform well and the Policy Account Value increases by a sufficient </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">amount, then the Net Amount at Risk will be lower. When this happens, the amount that we deduct for the cost </span><span style="color:#000000;font-family:times new roman;font-size:10pt">of insurance charges each month may also go down.</span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Option 2</span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;line-height:12pt"> </span></div><div style="margin-top:2pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Under Option 2, your death benefit on any date prior to the Policy Anniversary nearest the insured’s </span><span style="color:#000000;font-family:times new roman;font-size:10pt">121</span><span style="color:#000000;font-family:times new roman;font-size:6.5pt;position:relative;top:-4.25pt">st</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">birthday is the greater of:</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:left;width:439.00pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the Face Amount plus the Policy Account Value, if greater than zero, or</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the minimum death benefit required under Section 7702 as calculated on the Monthly Processing Date </span><span style="color:#000000;font-family:times new roman;font-size:10pt">preceding the date of death, less any partial withdrawals that may have occurred after that Monthly </span><span style="color:#000000;font-family:times new roman;font-size:10pt">Processing Date; or</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the minimum death benefit required under Section 7702 of the Internal Revenue Code, as calculated as of the </span><span style="color:#000000;font-family:times new roman;font-size:10pt">date of death.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Under Option 2, your death benefit will vary based on your investment performance and the premiums you pay. </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Even if your investments perform poorly, your death benefit will never be lower than the Face Amount. The Net </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Amount at Risk will not change unless we have to increase the death benefit to comply with Section 7702 of the </span><span style="color:#000000;font-family:times new roman;font-size:10pt">Internal Revenue Code.</span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Option 3</span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;line-height:12pt"> </span></div><div style="margin-top:2pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Under Option 3, your death benefit on any date prior to the Policy Anniversary nearest the insured’s </span><span style="color:#000000;font-family:times new roman;font-size:10pt">121</span><span style="color:#000000;font-family:times new roman;font-size:6.5pt;position:relative;top:-4.25pt">st</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">birthday is the greater of:</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:left;width:439.00pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the Face Amount plus Net Accumulated Premiums, or</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the minimum death benefit required under Section 7702 as calculated on the Monthly Processing Date </span><span style="color:#000000;font-family:times new roman;font-size:10pt">preceding the date of death, less any partial withdrawals that may have occurred after that Monthly </span><span style="color:#000000;font-family:times new roman;font-size:10pt">Processing Date; or</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the minimum death benefit required under Section 7702 of the Internal Revenue Code, as calculated as of the </span><span style="color:#000000;font-family:times new roman;font-size:10pt">date of death.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Under Option 3, as under Option 1, if your investments perform well, then the Net Amount at Risk will generally </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">be lower. Also, the more premiums you pay, the lower your Net Amount at Risk will generally be. When your </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Net Amount at Risk is reduced, the amount that we deduct for the cost of insurance charges each month may also </span><span style="color:#000000;font-family:times new roman;font-size:10pt">go down.</span></div> <div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Death Benefit Options</span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">You have a choice of three death benefit options (Option or Options) with this Policy</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"> You must choose the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Option you want when you complete your application. You should choose the Option that best meets your </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">insurance needs and investment objectives.</span><span style="color:#000000;font-family:times new roman;font-size:10pt"> If </span><span style="color:#000000;font-family:times new roman;font-size:10pt">a fixed amount of insurance coverage and lower Monthly </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Deductions best fit your needs you should choose Option1. If you </span><span style="color:#000000;font-family:times new roman;font-size:10pt">want the potential to increase the amount of </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">your insurance coverage beyond your Policy’s Face Amount you should choose Option 2. If you want to </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">recapture the premiums you have paid into the Policy, you should choose Option 3. You may change your death </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">benefit option at any time on and after the first Policy Anniversary, subject to certain limitations and conditions. </span><span style="color:#000000;font-family:times new roman;font-size:10pt">See </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic">“Changing Your Death Benefit Option.”</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">The Option you elected will take effect and be issued as part of the Policy once you have paid at least your </span><span style="color:#000000;font-family:times new roman;font-size:10pt">Minimum to Issue Premium.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Option 1</span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;line-height:12pt"> </span></div><div style="margin-top:2pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Under Option 1, your death benefit on any date prior to the Policy Anniversary nearest the insured’s </span><span style="color:#000000;font-family:times new roman;font-size:10pt">121</span><span style="color:#000000;font-family:times new roman;font-size:6.5pt;position:relative;top:-4.25pt">st</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">birthday is the greater of:</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div> <div style="clear:both;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:left;width:439.00pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the Face Amount; or</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the minimum death benefit required under Section 7702 as calculated on the Monthly Processing Date </span><span style="color:#000000;font-family:times new roman;font-size:10pt">preceding the date of death, less any partial withdrawals that may have occurred after that Monthly </span><span style="color:#000000;font-family:times new roman;font-size:10pt">Processing Date; or</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the minimum death benefit required under Section 7702 of the Internal Revenue Code, as calculated as of the </span><span style="color:#000000;font-family:times new roman;font-size:10pt">date of death.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Under Option 1, if your investments perform well and the Policy Account Value increases by a sufficient </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">amount, then the Net Amount at Risk will be lower. When this happens, the amount that we deduct for the cost </span><span style="color:#000000;font-family:times new roman;font-size:10pt">of insurance charges each month may also go down.</span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Option 2</span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;line-height:12pt"> </span></div><div style="margin-top:2pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Under Option 2, your death benefit on any date prior to the Policy Anniversary nearest the insured’s </span><span style="color:#000000;font-family:times new roman;font-size:10pt">121</span><span style="color:#000000;font-family:times new roman;font-size:6.5pt;position:relative;top:-4.25pt">st</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">birthday is the greater of:</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:left;width:439.00pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the Face Amount plus the Policy Account Value, if greater than zero, or</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the minimum death benefit required under Section 7702 as calculated on the Monthly Processing Date </span><span style="color:#000000;font-family:times new roman;font-size:10pt">preceding the date of death, less any partial withdrawals that may have occurred after that Monthly </span><span style="color:#000000;font-family:times new roman;font-size:10pt">Processing Date; or</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the minimum death benefit required under Section 7702 of the Internal Revenue Code, as calculated as of the </span><span style="color:#000000;font-family:times new roman;font-size:10pt">date of death.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Under Option 2, your death benefit will vary based on your investment performance and the premiums you pay. </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Even if your investments perform poorly, your death benefit will never be lower than the Face Amount. The Net </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Amount at Risk will not change unless we have to increase the death benefit to comply with Section 7702 of the </span><span style="color:#000000;font-family:times new roman;font-size:10pt">Internal Revenue Code.</span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Option 3</span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;line-height:12pt"> </span></div><div style="margin-top:2pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Under Option 3, your death benefit on any date prior to the Policy Anniversary nearest the insured’s </span><span style="color:#000000;font-family:times new roman;font-size:10pt">121</span><span style="color:#000000;font-family:times new roman;font-size:6.5pt;position:relative;top:-4.25pt">st</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">birthday is the greater of:</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:left;width:439.00pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the Face Amount plus Net Accumulated Premiums, or</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the minimum death benefit required under Section 7702 as calculated on the Monthly Processing Date </span><span style="color:#000000;font-family:times new roman;font-size:10pt">preceding the date of death, less any partial withdrawals that may have occurred after that Monthly </span><span style="color:#000000;font-family:times new roman;font-size:10pt">Processing Date; or</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">the minimum death benefit required under Section 7702 of the Internal Revenue Code, as calculated as of the </span><span style="color:#000000;font-family:times new roman;font-size:10pt">date of death.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Under Option 3, as under Option 1, if your investments perform well, then the Net Amount at Risk will generally </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">be lower. Also, the more premiums you pay, the lower your Net Amount at Risk will generally be. When your </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Net Amount at Risk is reduced, the amount that we deduct for the cost of insurance charges each month may also </span><span style="color:#000000;font-family:times new roman;font-size:10pt">go down.</span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Age 100 and After</span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">At the insured’s Attained Age 100, current charges, with the exception of the Indexed Account Charge, are zero </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">and Additional Sum Insured coverage terminates; interest on Policy loans and carrying charges on Liens will </span><span style="color:#000000;font-family:times new roman;font-size:10pt">continue to be charged.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">On the Policy Anniversary closest to the insured’s </span><span style="color:#000000;font-family:times new roman;font-size:10pt">121</span><span style="color:#000000;font-family:times new roman;font-size:6.5pt;position:relative;top:-4.25pt">st</span><span style="color:#000000;font-family:times new roman;font-size:10pt"> birthday you may request that a maturity benefit equal to </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">the Policy’s Net Cash Surrender Value be paid to you, the successor owner, or your estate at that time, and this </span><span style="color:#000000;font-family:times new roman;font-size:10pt">Policy will no longer be in effect.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:times new roman;font-size:10pt">If you do not request the maturity benefit, this Policy will continue subject to the following rules:</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div> <div style="clear:both;margin-top:1.77pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:left;width:439.00pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">No additional premiums can be paid,</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:1.78pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">The death benefit option shall be changed to Option 1 and no further death benefit option changes can be </span><span style="color:#000000;font-family:times new roman;font-size:10pt">made,</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:1.77pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:left;width:439.00pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">The Monthly Deduction will be zero,</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:1.77pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">Interest on Policy Debt will continue to be charged and normal loan processing will continue; however, any </span><span style="color:#000000;font-family:times new roman;font-size:10pt">indexed loans outstanding will be converted to standard loans,</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:1.77pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:left;width:439.00pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">Lien carrying charges will continue to accrue;</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:1.77pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:left;width:439.00pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">No partial withdrawals may be made; full surrenders are allowed, and</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:1.77pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">All Policy Account Value not supporting a Policy Loan is transferred to the fixed-rate option. If the Indexed </span><span style="color:#000000;font-family:times new roman;font-size:10pt">Option Alternate Account value is greater than the value of the indexed option at that time, the difference will </span><span style="color:#000000;font-family:times new roman;font-size:10pt">also be transferred to the fixed-rate option.</span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Section 7702 — Life Insurance Qualification</span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">The Policy is intended to qualify under Section 7702 of the Internal Revenue purposes. The provisions of the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Policy and any additional benefits by rider will be interpreted to ensure such qualification, notwithstanding </span><span style="color:#000000;font-family:times new roman;font-size:10pt">language to the contrary.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">Section 7702 requires a minimum death benefit payable in order for policies to qualify as life insurance.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">We calculate this minimum using one of two methods: the Cash Value Accumulation Test (Cash Value Test) or </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">the Guideline Premium and Cash Value Corridor Test (Guideline Premium Test). If you elect death benefit </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Option 2 or 3, you decide which test you want used when you complete your application. If you elect death </span><span style="color:#000000;font-family:times new roman;font-size:10pt">benefit Option 1, we will use the Cash Value Test.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0%">If you do not make an election on your application, we will assume that you intended to elect the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Guideline Premium Test.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">Here are some general guidelines for choosing between the Cash Value Test and the Guideline Premium Test:</span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Comparing the Death Benefit qualification tests</span><span style="color:#000000;font-family:times new roman;font-size:1pt;font-weight:bold;line-height:1pt"> </span></div> <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:456pt"> <tr style="height:32.5pt"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:152.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.00pt">Effect of choice of test on:</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:150.33pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.00pt">Cash Value Accumulation Test</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:152.83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:6pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.00pt">Guideline Premium and Cash </span></div> <div style="margin-left:3.75pt;margin-right:6pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Value Corridor Test</span></div> </div> </td> </tr> <tr style="height:33pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:152.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3.75pt;margin-top:3pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Premium payments</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:150.33pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;margin-top:3pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Allows flexibility to pay more </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">premium</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:152.83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:6pt;margin-top:3pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Premium Payments are limited </span></div> <div style="margin-left:3.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">under the Internal Revenue Code</span></div> </div> </td> </tr> <tr style="height:31pt"> <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:152.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Death benefit</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:150.33pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Generally higher as Policy </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">duration increases</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:152.83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">May be higher in early years of </span></div> <div style="margin-left:3.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">the Policy</span></div> </div> </td> </tr> <tr style="height:31pt"> <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:152.84pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Monthly cost of insurance charges</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:150.33pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">May be higher, if the death benefit </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">is higher</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:152.83pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">May be lower, except in early </span></div> <div style="margin-left:3.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">years of the Policy</span></div> </div> </td> </tr> <tr style="height:51.5pt"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:152.84pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:3.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Face amount decreases</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:150.33pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Will not require return of premium </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">or distribution of Policy Account </span></div> <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Value</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:152.83pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">May require return of premium or </span></div> <div style="margin-left:3.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">distribution of Policy Account </span></div> <div style="margin-left:3.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Value to continue Policy as life </span></div> <div style="margin-left:3.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">insurance</span></div> </div> </td> </tr> </table><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">The minimum death benefit required on any date is the greater of the Policy Account Value or, if applicable, the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Alternate Net Cash Surrender Value on that date multiplied by the death benefit factor shown in your Policy. </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">These death benefit factors vary depending on whether you have selected the Cash Value Test or the Guideline </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Premium Test. For purposes of calculating the minimum death benefit, if the amount in the indexed option is less </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">than the amount in the Indexed Option Alternate Account, the difference will be added to the Policy Account </span><span style="color:#000000;font-family:times new roman;font-size:10pt">Value.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:times new roman;font-size:10pt">See the “Statement of Additional Information” for further information on</span><span style="color:#000000;font-family:times new roman;font-size:10pt"> life insurance qualification tests.</span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Changing Your Death Benefit Option</span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">On and after the first Policy Anniversary you may change your death benefit option from Option 2 or 3 to Option </span><span style="color:#000000;font-family:times new roman;font-size:10pt">1, as long as the insured is alive when we make the change.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">No evidence of insurability will be required for death benefit option changes. Such changes take effect on the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Monthly Processing Date following or coinciding with our receipt in Good Order of your signed request. </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Changing the death benefit option may have adverse tax consequences. You should consult a tax adviser before </span><span style="color:#000000;font-family:times new roman;font-size:10pt">doing so.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">If you change the death benefit option to Option 1, we will increase the Policy’s Face Amount to keep the death </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">benefit the same immediately before and after the change. The increase is applied directly to the Basic Sum </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">Insured portion of the Initial Face Amount. If you change the death benefit to Option 1, and you have selected </span><span style="color:#000000;font-family:times new roman;font-size:10pt">the Guideline Premium qualification test, you may retain that test.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">We do not deduct a surrender charge or impose new surrender charges in connection with changes in the death </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">benefit option. The administrative charge and Target Premiums are not affected by a change in death benefit </span><span style="color:#000000;font-family:times new roman;font-size:10pt">options.</span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold">Limitations on your right to change the death benefit option</span></div><div style="margin-top:2pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">We will not approve any request to change the death benefit option:</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:left;width:439.00pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">if the Monthly Deduction is being waived under the Waiver of Monthly Deductions rider;</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">if you exercise the benefit under the Policy Continuation Rider. If you do so, we will change your death </span><span style="color:#000000;font-family:times new roman;font-size:10pt">benefit to Option 1 and no subsequent changes will be permitted;</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">If you exercise the benefit under the EAB Rider. If you do so, we will change your death benefit to Option 1 </span><span style="color:#000000;font-family:times new roman;font-size:10pt">and no subsequent changes will be permitted;</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:justify;width:439.0pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">once the insured has reached Attained Age 121. When this occurs, the death benefit option is automatically </span><span style="color:#000000;font-family:times new roman;font-size:10pt">changed to Option 1 and no further changes are permitted; or</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div> <div style="clear:both;margin-top:3pt;position:relative;width:100%;"> <div style="float:left;line-height:12pt;text-align:left;width:4.6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">●</span></div> <div style="float:left;line-height:12pt;margin-left:7.4pt;text-align:left;width:439.00pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt">if the Face Amount after the change would be less than the minimum required Face Amount.</span></div> </div> <div style="clear:both;position:relative;"> </div> </div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Paying The Death Benefit</span></div><div style="margin-top:6pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">We will pay a death benefit to the beneficiaries named in your Policy when we receive proof that the insured has </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">died while the Policy was in effect. The proceeds payable are calculated as set forth in “</span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic">Policy Proceeds</span><span style="color:#000000;font-family:times new roman;font-size:10pt">.” If </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">there is reason to dispute the Policy, then we may delay the payment of death benefits. See the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic">“Statement of </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic">Additional Information</span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic">”</span><span style="color:#000000;font-family:times new roman;font-size:10pt">.</span></div> <div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic;font-weight:bold">Other Benefits Under the Policy</span></div><div style="margin-top:2pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">In addition to the standard death benefits associated with your Policy, other standard and/or optional benefits </span><span style="color:#000000;font-family:times new roman;font-size:10pt">may also be available to you.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">The availability of optional benefits may vary depending on registered representative through which the Policy is </span><span style="color:#000000;font-family:times new roman;font-size:10pt">sold. </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic">See Distribution of the Policies – Broker-Dealer Policy Variations.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">The following table summarizes information about those benefits. Information about the fees associated with </span><span style="color:#000000;font-family:times new roman;font-size:10pt">each benefit may be found in the Fee Table.</span><span style="color:#000000;font-family:times new roman;font-size:1pt;line-height:1pt"> </span></div> <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:456pt"> <tr style="height:44.5pt"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.00pt">Name of Benefit</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Purpose</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Standard</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">or</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Optional</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Brief Description of</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Restrictions / </span></div> <div style="margin-left:5.75pt;margin-right:6pt;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:117pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;margin-top:3pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Dollar Cost Averaging </span></div><div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Transfer Option</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:3pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Allows you to transfer </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">the same dollar </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">amount from an </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">available money </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">market variable </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">investment option to </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">another allocation </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">option or options each </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">month</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:3pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Standard</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Not available if a Lien </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">is outstanding</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Must transfer at least </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">$100 for each </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">allocation</span></div> </div> </td> </tr> <tr style="height:115pt"> <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:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Automatic 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:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Allows you to </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">automatically </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">rebalance your Policy </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Account Value in </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">variable investment </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">options every three </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">months to maintain </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">your desired asset </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">allocations</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:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Standard</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Not available if a Lien </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">is outstanding</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Does not apply to the </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">fixed-rate or indexed </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">options</span></div> </div> </td> </tr> <tr style="height:175pt"> <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:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">No Lapse Guarantee</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:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Ensures that your </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Policy, and any </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">applicable riders, will </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">not lapse, even if poor </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">investment </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">performance and/or </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">excess Policy Debt </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">means that the Policy </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Account Value less </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Policy Debt, after </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">subtracting the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Monthly Deduction, on </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">a Monthly Processing </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Date, is less than zero</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:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Standard</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Insured must be 75 or </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">younger on the Policy </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Date</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Terminates at end of </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">stated period based on </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Insured’s age at issue</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Not available on </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">policies rated </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">sub-standard or with a </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">flat extra</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Subject to No Lapse </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Guarantee Test to keep </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">your Policy in force</span></div> </div> </td> </tr> <tr style="height:147.5pt"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Guaranteed Coverage </span></div><div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Rider</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:107pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Ensures that your </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Policy, and any </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">applicable riders, will </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">not lapse, even if poor </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">investment </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">performance and/or </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">excess Policy Debt </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">means that the Policy </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Account Value less </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Policy Debt, after </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">subtracting the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Monthly Deduction, on</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Standard</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Insured must be 75 or </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">younger on the Policy </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Date</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available with </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">death benefit Option 1</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Terminates at age 85</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Not available on </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">policies rated </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">sub-standard or with a </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">flat extra</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Subject to Guaranteed </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Coverage Rider Test to </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:456pt"> <tr style="height:44.5pt"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.00pt">Name of Benefit</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Purpose</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Standard</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">or</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Optional</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Brief Description of</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Restrictions / </span></div> <div style="margin-left:5.75pt;margin-right:6pt;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:30pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">a Monthly Processing </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Date, is less than zero</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space: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:2.625pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">keep your Policy in </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">force</span></div> </div> </td> </tr> <tr style="height:91pt"> <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:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Accidental Death Benefit </span></div><div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Rider</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:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Provides an additional </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">death benefit if death </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">is due to an accident </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">on or before the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Insured’s 75th birthday</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:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Optional</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available at issue</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Maximum coverage </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">under this rider is the </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">lesser of (i) $500,000 </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">or (ii) the Initial Face </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Amount</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Issue Ages 5-65</span></div> </div> </td> </tr> <tr style="height:199pt"> <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:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Waiver of Monthly </span></div><div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Deductions</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:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Provides for the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">waiver of all Monthly </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Deductions when the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">insured is totally </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">disabled</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:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Optional</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available at issue</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Continues for life if the </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">disability occurs prior </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">to age 60</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Terminates at age 65 </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">(if not disabled)</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available on </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Policies with Face </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Amount less than </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">$5,000,000 for </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">standard or higher </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">underwriting classes </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">($3,000,000 for </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">substandard through </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Class 4)</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Issue ages 5-55</span></div> </div> </td> </tr> <tr style="height:175pt"> <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:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Disability Benefit Rider</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:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Provides for the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">crediting of a specified </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">amount when the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">insured is totally </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">disabled, as if it were </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">paid by the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">policyowner</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:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Optional</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available at issue</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Continues for life if the </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">disability occurs prior </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">to age 60</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Terminates at age 65 if </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">not disabled</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available on </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Policies with Face </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Amount less than </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">$5,000,000 </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">($3,000,000 for </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">substandard through </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Class 4)</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Issue ages 5-55</span></div> </div> </td> </tr> <tr style="height:75.5pt"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Whole Life Purchase </span></div><div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Option Rider</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:107pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Allows the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">policyowner to </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">purchase, at specified </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">dates, without </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">evidence of </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">insurability a whole</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Optional</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Age limits apply</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available at issue</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Cannot exceed the </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">lessor of $250,000 or </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">the Initial Face</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:456pt"> <tr style="height:44.5pt"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.00pt">Name of Benefit</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Purpose</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Standard</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">or</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Optional</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Brief Description of</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Restrictions / </span></div> <div style="margin-left:5.75pt;margin-right:6pt;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:18pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">life policy</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space: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:2.625pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt"> </span></div> </div> </td> </tr> <tr style="height:91pt"> <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:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Select Security Rider</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:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Prevents the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">policyowner from </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">making certain </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">changes without the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">consent of the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">policyowner’s </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">employer</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:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Optional</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;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> </tr> <tr style="height:231.5pt"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Policy Continuation </span></div><div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Rider</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:107pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Allows the Policy to </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">continue with a </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">reduced death benefit </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">if the Policy is in </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">danger of lapsing </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">because of excessive </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">policy loans</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Standard</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Must elect the </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Guideline Premium </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Test</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available at issue</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Any indexed loans will </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">be changed to standard </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">loans, any unloaned </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Policy Account Value </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">will be transferred to </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">the fixed-rate option </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">and the excess of the </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Indexed Option </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Alternate Account </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">value over the indexed </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">option value will be </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">transferred to the </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">fixed-rate option</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">May have tax </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">consequences</span></div> </div> </td> </tr> </table> <div style="margin-top:2pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">In addition to the standard death benefits associated with your Policy, other standard and/or optional benefits </span><span style="color:#000000;font-family:times new roman;font-size:10pt">may also be available to you.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="margin-top:12pt;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">The availability of optional benefits may vary depending on registered representative through which the Policy is </span><span style="color:#000000;font-family:times new roman;font-size:10pt">sold. </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-style:italic">See Distribution of the Policies – Broker-Dealer Policy Variations.</span><span style="color:#000000;font-family:times new roman;font-size:10pt;line-height:12pt"> </span></div><div style="line-height:12.0pt;text-align:left;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0%">The following table summarizes information about those benefits. Information about the fees associated with </span><span style="color:#000000;font-family:times new roman;font-size:10pt">each benefit may be found in the Fee Table.</span><span style="color:#000000;font-family:times new roman;font-size:1pt;line-height:1pt"> </span></div> <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:456pt"> <tr style="height:44.5pt"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.00pt">Name of Benefit</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Purpose</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Standard</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">or</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Optional</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Brief Description of</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Restrictions / </span></div> <div style="margin-left:5.75pt;margin-right:6pt;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:117pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;margin-top:3pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Dollar Cost Averaging </span></div><div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Transfer Option</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:3pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Allows you to transfer </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">the same dollar </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">amount from an </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">available money </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">market variable </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">investment option to </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">another allocation </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">option or options each </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">month</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;margin-top:3pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Standard</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Not available if a Lien </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">is outstanding</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Must transfer at least </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">$100 for each </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">allocation</span></div> </div> </td> </tr> <tr style="height:115pt"> <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:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Automatic 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:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Allows you to </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">automatically </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">rebalance your Policy </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Account Value in </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">variable investment </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">options every three </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">months to maintain </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">your desired asset </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">allocations</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:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Standard</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Not available if a Lien </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">is outstanding</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Does not apply to the </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">fixed-rate or indexed </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">options</span></div> </div> </td> </tr> <tr style="height:175pt"> <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:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">No Lapse Guarantee</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:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Ensures that your </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Policy, and any </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">applicable riders, will </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">not lapse, even if poor </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">investment </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">performance and/or </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">excess Policy Debt </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">means that the Policy </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Account Value less </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Policy Debt, after </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">subtracting the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Monthly Deduction, on </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">a Monthly Processing </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Date, is less than zero</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:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Standard</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Insured must be 75 or </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">younger on the Policy </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Date</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Terminates at end of </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">stated period based on </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Insured’s age at issue</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Not available on </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">policies rated </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">sub-standard or with a </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">flat extra</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Subject to No Lapse </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Guarantee Test to keep </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">your Policy in force</span></div> </div> </td> </tr> <tr style="height:147.5pt"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Guaranteed Coverage </span></div><div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Rider</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:107pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Ensures that your </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Policy, and any </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">applicable riders, will </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">not lapse, even if poor </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">investment </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">performance and/or </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">excess Policy Debt </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">means that the Policy </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Account Value less </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Policy Debt, after </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">subtracting the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Monthly Deduction, on</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Standard</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Insured must be 75 or </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">younger on the Policy </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Date</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available with </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">death benefit Option 1</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Terminates at age 85</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Not available on </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">policies rated </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">sub-standard or with a </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">flat extra</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Subject to Guaranteed </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Coverage Rider Test to </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:456pt"> <tr style="height:44.5pt"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.00pt">Name of Benefit</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Purpose</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Standard</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">or</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Optional</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Brief Description of</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Restrictions / </span></div> <div style="margin-left:5.75pt;margin-right:6pt;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:30pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">a Monthly Processing </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Date, is less than zero</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space: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:2.625pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">keep your Policy in </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">force</span></div> </div> </td> </tr> <tr style="height:91pt"> <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:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Accidental Death Benefit </span></div><div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Rider</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:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Provides an additional </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">death benefit if death </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">is due to an accident </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">on or before the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Insured’s 75th birthday</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:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Optional</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available at issue</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Maximum coverage </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">under this rider is the </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">lesser of (i) $500,000 </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">or (ii) the Initial Face </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Amount</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Issue Ages 5-65</span></div> </div> </td> </tr> <tr style="height:199pt"> <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:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Waiver of Monthly </span></div><div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Deductions</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:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Provides for the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">waiver of all Monthly </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Deductions when the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">insured is totally </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">disabled</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:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Optional</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available at issue</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Continues for life if the </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">disability occurs prior </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">to age 60</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Terminates at age 65 </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">(if not disabled)</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available on </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Policies with Face </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Amount less than </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">$5,000,000 for </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">standard or higher </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">underwriting classes </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">($3,000,000 for </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">substandard through </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Class 4)</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Issue ages 5-55</span></div> </div> </td> </tr> <tr style="height:175pt"> <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:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Disability Benefit Rider</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:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Provides for the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">crediting of a specified </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">amount when the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">insured is totally </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">disabled, as if it were </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">paid by the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">policyowner</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:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Optional</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available at issue</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Continues for life if the </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">disability occurs prior </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">to age 60</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Terminates at age 65 if </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">not disabled</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available on </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Policies with Face </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Amount less than </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">$5,000,000 </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">($3,000,000 for </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">substandard through </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Class 4)</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Issue ages 5-55</span></div> </div> </td> </tr> <tr style="height:75.5pt"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Whole Life Purchase </span></div><div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Option Rider</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:107pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Allows the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">policyowner to </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">purchase, at specified </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">dates, without </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">evidence of </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">insurability a whole</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Optional</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Age limits apply</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available at issue</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Cannot exceed the </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">lessor of $250,000 or </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">the Initial Face</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:456pt"> <tr style="height:44.5pt"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.00pt">Name of Benefit</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Purpose</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Standard</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">or</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Optional</span></div> </div> </td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Brief Description of</span></div> <div style="margin-left:5.75pt;margin-right:6pt;text-align:center;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold">Restrictions / </span></div> <div style="margin-left:5.75pt;margin-right:6pt;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:18pt"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt"> </span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">life policy</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:2.625pt;vertical-align:Top;width:108pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space: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:2.625pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt"> </span></div> </div> </td> </tr> <tr style="height:91pt"> <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:120.5pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Select Security Rider</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:107pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Prevents the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">policyowner from </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">making certain </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">changes without the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">consent of the </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">policyowner’s </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">employer</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:108pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Optional</span></div> </div> </td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.125pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;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> </tr> <tr style="height:231.5pt"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Policy Continuation </span></div><div style="margin-left:6pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Rider</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:107pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Allows the Policy to </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">continue with a </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">reduced death benefit </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">if the Policy is in </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">danger of lapsing </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">because of excessive </span></div><div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">policy loans</span></div> </div> </td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:108pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Standard</span></div> </div> </td> <td style="padding-bottom:1.5pt;padding-top:3.125pt;vertical-align:Top;width:120.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Must elect the </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Guideline Premium </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Test</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available at issue</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Any indexed loans will </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">be changed to standard </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">loans, any unloaned </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Policy Account Value </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">will be transferred to </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">the fixed-rate option </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">and the excess of the </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Indexed Option </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Alternate Account </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">value over the indexed </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">option value will be </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">transferred to the </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">fixed-rate option</span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">May have tax </span></div><div style="margin-left:5.75pt;margin-right:6pt;text-align:left;white-space:nowrap;"><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">consequences</span></div> </div> </td> </tr> </table> <span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Dollar Cost Averaging </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Transfer Option</span> <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Allows you to transfer </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">the same dollar </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">amount from an </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">available money </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">market variable </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">investment option to </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">another allocation </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">option or options each </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">month</span> true <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Not available if a Lien </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">is outstanding</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Must transfer at least </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">$100 for each </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">allocation</span> Automatic Rebalancing <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Allows you to </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">rebalance your Policy </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Account Value in </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">variable investment </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">options every three </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">months to maintain </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">your desired asset </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">allocations</span> true <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Not available if a Lien </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">is outstanding</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Does not apply to the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">fixed-rate or indexed </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">options</span> No Lapse Guarantee <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Ensures that your </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Policy, and any </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">applicable riders, will </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">not lapse, even if poor </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">investment </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">performance and/or </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">excess Policy Debt </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">means that the Policy </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Account Value less </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Policy Debt, after </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">subtracting the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Monthly Deduction, on </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">a Monthly Processing </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Date, is less than zero</span> true <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Insured must be 75 or </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">younger on the Policy </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Date</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Terminates at end of </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">stated period based on </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Insured’s age at issue</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Not available on </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">policies rated </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">sub-standard or with a </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">flat extra</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Subject to No Lapse </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Guarantee Test to keep </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">your Policy in force</span> <span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Guaranteed Coverage </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Rider</span> <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Ensures that your </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Policy, and any </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">applicable riders, will </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">not lapse, even if poor </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">investment </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">performance and/or </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">excess Policy Debt </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">means that the Policy </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Account Value less </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Policy Debt, after </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">subtracting the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Monthly Deduction, on</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">a Monthly Processing </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Date, is less than zero</span> true <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Insured must be 75 or </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">younger on the Policy </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Date</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available with </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">death benefit Option 1</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Terminates at age 85</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Not available on </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">policies rated </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">sub-standard or with a </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">flat extra</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Subject to Guaranteed </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Coverage Rider Test to </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">keep your Policy in </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">force</span> <span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Accidental Death Benefit </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Rider</span> <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Provides an additional </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">death benefit if death </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">is due to an accident </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">on or before the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Insured’s 75th birthday</span> true <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available at issue</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Maximum coverage </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">under this rider is the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">lesser of (i) $500,000 </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">or (ii) the Initial Face </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Amount</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Issue Ages 5-65</span> <span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Waiver of Monthly </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Deductions</span> <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Provides for the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">waiver of all Monthly </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Deductions when the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">insured is totally </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">disabled</span> true <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available at issue</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Continues for life if the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">disability occurs prior </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">to age 60</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Terminates at age 65 </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">(if not disabled)</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available on </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Policies with Face </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Amount less than </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">$5,000,000 for </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">standard or higher </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">underwriting classes </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">($3,000,000 for </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">substandard through </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Class 4)</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Issue ages 5-55</span> Disability Benefit Rider <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Provides for the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">crediting of a specified </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">amount when the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">insured is totally </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">disabled, as if it were </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">paid by the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">policyowner</span> true <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available at issue</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Continues for life if the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">disability occurs prior </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">to age 60</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Terminates at age 65 if </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">not disabled</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available on </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Policies with Face </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Amount less than </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">$5,000,000 </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">($3,000,000 for </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">substandard through </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Class 4)</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Issue ages 5-55</span> <span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Whole Life Purchase </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Option Rider</span> <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Allows the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">policyowner to </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">purchase, at specified </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">dates, without </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">evidence of </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">insurability a whole</span>life policy true <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Age limits apply</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available at issue</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Cannot exceed the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">lessor of $250,000 or </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">the Initial Face</span> Select Security Rider <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Prevents the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">policyowner from </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">making certain </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">changes without the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">consent of the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">policyowner’s </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">employer</span> true <span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Policy Continuation </span><span style="color:#000000;font-family:times new roman;font-size:10pt;font-weight:bold;margin-left:0.0pt">Rider</span> <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">Allows the Policy to </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">continue with a </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">reduced death benefit </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">if the Policy is in </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">danger of lapsing </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">because of excessive </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:0.0pt">policy loans</span> true <span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Must elect the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Guideline Premium </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Test</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Only available at issue</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">Any indexed loans will </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">be changed to standard </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">loans, any unloaned </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Policy Account Value </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">will be transferred to </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">the fixed-rate option </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">and the excess of the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Indexed Option </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">Alternate Account </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">value over the indexed </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">option value will be </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">transferred to the </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">fixed-rate option</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:2.0pt">●</span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:4.9pt">May have tax </span><span style="color:#000000;font-family:times new roman;font-size:10pt;margin-left:12.0pt">consequences</span> <div> <span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">APPENDIX A:</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;"> PORTFOLIO COMPANIES </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold;">AVAILABLE UNDER THE POLICY</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-weight: bold; line-height: 12pt;"> </span></div> <div style="margin-top: 6pt;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0%;">The following is a list of </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">Portfolio Companies</span><span style="color: #000000; font-family: times new roman; font-size: 10pt;"> available under the policy. More information about the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">Portfolio </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0%;">Companies</span><span style="color: #000000; font-family: times new roman; font-size: 10pt;"> is available in the prospectuses for the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">Portfolio Companies</span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">, which may be amended from time to </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0%;">time and can be found online at </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">https://Guardianlife.onlineprospectus.net/Guardianlife/fs_vul2018/?ctype=product_prospectus</span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">. You can also request this information at no cost by calling the Customer Service </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0%;">Office Contact Center at 1-888-GUARDIAN (1-888-482-7342) or by sending an email request to </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">MyCareRequest@guardianlife.com</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;"> Depending on the optional benefits you choose, you may not be able to </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">invest in certain </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">Portfolio Companies</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; line-height: 12pt;"> </span></div> <div style="margin-top: 12pt;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0%;">The availability of Portfolio Companies may vary depending on registered representative through which the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">Policy is sold. </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-style: italic;">See Distribution of the Policies – Broker-Dealer Policy Variations.</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; line-height: 12pt;"> </span></div> <div style="margin-top: 12pt;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0%;">The current expenses and performance information below reflects fee and expenses of the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">Portfolio Companies</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%;">but do not reflect the other fees and expenses that your contract may charge. Expenses would be higher and </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0%;">performance would be lower if these other charges were included. Each </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">Portfolio Company</span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">’s past performance is </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">not necessarily an indication of future performance.</span><span style="color: #000000; font-family: times new roman; font-size: 1pt; line-height: 1pt;"> </span></div> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456.01pt; border: 0.5pt solid #000000;"> <tr style="height: 12.5pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 126.4pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 161.8pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;"> </span></div> </div> </td> <td colspan="3" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 126.0pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">As of December 31, 2025</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: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 126.4pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Type/Investment</span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Objective</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 161.8pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Portfolio Company And</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Adviser/SubAdviser</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Current</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Expenses</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">1 Year</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Average</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Annual</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Total</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Return</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">5 Year</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Average</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Annual</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Total</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Return</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">10 Year</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Average</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Annual</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Total</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Return</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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Long-term growth of capital.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Davis Financial Portfolio</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Davis Selected Advisers, LP</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Davis Selected Advisers- NY, Inc.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.75%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">29.12%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">18.15%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">12.94%</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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Total return through a combination of </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">growth and income.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Davis Real Estate Portfolio</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Davis Selected Advisers, LP</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Davis Selected Advisers- NY, Inc.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.00%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">-5.71%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">2.61%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">4.04%</span></div> </div> </td> </tr> <tr style="height: 64pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Seeks reasonable income. The Fund </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">will also consider the potential for </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">capital appreciation. The Fund's goal </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">is to achieve a yield which exceeds the </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">composite yield on the securities </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">comprising the S&amp;P 500.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity VIP Equity-Income Portfolio (Service </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Class 2)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity Management &amp; Research Company LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">FMR Investment Management (UK) Limited,</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity Management &amp; Research (Hong Kong)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Limited, Fidelity Management &amp; Research (Japan)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Limited</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.71%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">18.75%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">12.23%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">11.32%</span></div> </div> </td> </tr> <tr style="height: 64pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Seeks as high a level of current </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">income as is consistent with </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">preservation of capital and liquidity.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity VIP Government Money Market Portfolio </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">(Service Class 2)</span><span style="color: #000000; font-family: times new roman; font-size: 4.5pt; margin-left: 0.0pt; position: relative; top: -3pt;">1</span> <div style="clear: right;"> </div> </div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity Management &amp; Research Company LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">FMR Investment Management (UK) Limited,</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity Management &amp; Research (Hong Kong)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Limited, Fidelity Management &amp; Research (Japan)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Limited</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.50%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">3.86%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">2.90%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.83%</span></div> </div> </td> </tr> <tr style="height: 47pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Seeks investment results that </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">correspond to the total return of </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">common stocks publicly traded in the </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">United States, as represented by the </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">S&amp;P 500.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity VIP Index 500 Portfolio (Initial)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity Management &amp; Research Company LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Geode Capital Management, LLC</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.09%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">17.78%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">14.31%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">14.70%</span></div> </div> </td> </tr> <tr style="height: 38.5pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks to provide capital </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">appreciation and moderate current </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">income while seeking to manage </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">volatility.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Balanced Allocation VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Wellington Management Company LLP</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.91%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">12.92%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_23_c2ace029_9301_492f_98a6_fce9702ca26b;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_102_6235860a_1fb3_605b_1aee_f10e6d51cc04;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> </tr> <tr style="height: 38.5pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks to provide a high level </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">of current income and capital </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">appreciation without undue risk to </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">principal.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Core Fixed Income VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">FIAM LLC</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.52%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">6.61%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_103_dc087dd0_533b_453a_fa0e_bd769e06b5fa;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_104_e2a73bb0_2dcd_0bd6_0558_041daf12cfef;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks a high level of current </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">income consistent with growth of </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">capital.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Equity Income VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Wellington Management Company LLP</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.55%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">14.76%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_105_dd52d09a_7b8d_bdc0_b5a9_8b4b491813de;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_106_83fc3a0a_2ed5_4b29_a31f_557d62686ec9;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> </tr> <tr style="height: 27.5pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks capital appreciation.</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 161.8pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Integrated Research VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Wellington Management Company LLP</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.84%</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">14.65%</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">12.63%</span></div> </div> </td> <td style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_107_d59b5cc0_93ce_8248_6308_1a097bce2342;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456.01pt; border: 0.5pt solid #000000;"> <tr style="height: 12.5pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 126.4pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 161.8pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;"> </span></div> </div> </td> <td colspan="3" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 126.0pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">As of December 31, 2025</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: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 126.4pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Type/Investment</span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Objective</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 161.8pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Portfolio Company And</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Adviser/SubAdviser</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Current</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Expenses</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">1 Year </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Average </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Annual </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Total </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Return</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">5 Year </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Average </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Annual </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Total </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Return</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">10 Year </span></div> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Average </span></div> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Annual </span></div> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Total </span></div> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Return</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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks to maximize long-term </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">growth.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Large Cap Disciplined Growth VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Wellington Management Company LLP</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.87%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">16.99%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">12.01%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_101_185b7848_6361_9a7c_3652_fbe4b74f861b;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks long term growth of </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">capital.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Select Mid Cap Core VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">FIAM LLC</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.96%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">10.34%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_99_0211bb4e_a21f_c3c1_69b0_bd1242c6718b;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_100_79048090_c043_8eac_0194_33d3562084ae;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks to preserve principal </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">and meet liquidity needs while </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">maximizing total return.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Short Duration Bond VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Allspring Global Investments, LLC</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.45%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">5.35%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_97_6ac58023_2a33_da3a_b0bb_3cc7ea29220e;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_98_c20f7618_ac7a_d7b9_ba38_fd0082c34051;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks capital appreciation.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Small Cap Value Diversified VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Boston Partners Global Investors, Inc.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.05%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">6.66%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">4.56%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_96_f28e6d94_5ea1_56ba_2b81_193006f008a8;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks capital appreciation.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Small-Mid Cap Core VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">FIAM LLC</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.02%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.56%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_94_b7e9529a_b87d_0e25_e80e_2a5e3b230e11;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_95_78d30999_dea1_26c6_50dc_8fe5f2e5d2c7;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks capital appreciation.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Strategic Large Cap Core VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">AllianceBernstein L.P.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.92%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">11.76%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_93_80b3a583_e1f9_04ba_6b00_0f9a5a1c5075;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_60_dff6eb4d_8306_4bff_87a0_8302b794260c;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> </tr> <tr style="height: 21.5pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund’s investment objective is to </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">seek capital growth.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Invesco V.I. American Franchise Fund (Series II)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Invesco Advisers, Inc.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.10%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">11.39%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">10.08%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">14.58%</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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund’s investment objectives are </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">both capital appreciation and current </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">income.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Invesco V.I. Equity and Income Fund (Series II)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Invesco Advisers, Inc.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.82%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">12.52%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">8.68%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">8.64%</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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Seeks long-term growth of capital.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Janus Henderson Research Portfolio (Service </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Shares)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Janus Henderson Investors US LLC</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.07%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">18.10%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">13.83%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">15.59%</span></div> </div> </td> </tr> <tr style="height: 72.5pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">To seek to provide growth of capital.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Nomura VIP Mid Cap Growth Series Service </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Class formerly Macquarie VIP Mid Cap Growth </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Series Service Class</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Delaware Management Company, a series of </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Macquarie Investment Management Business Trust </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">(a Delaware statutory trust)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Macquarie Investment Management Global </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Limited</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.85%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.18%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">-0.08%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">10.66%</span></div> </div> </td> </tr> <tr style="height: 38.5pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Portfolio seeks maximum total </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">return, consistent with preservation of </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">capital and prudent investment </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; 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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">PIMCO Total Return Portfolio (Advisor Class)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">PIMCO</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.83%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">8.78%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">-0.08%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">2.26%</span></div> </div> </td> </tr> <tr style="height: 47pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Seeks capital appreciation.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Putnam VT Core Equity Fund (Class IB)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Franklin Advisers, Inc.</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Franklin Templeton Investment Management</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Limited</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Putnam Investments Limited (PIL)</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.20%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">16.81%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">15.96%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">15.20%</span></div> </div> </td> </tr> <tr style="height: 55.5pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Seeks long-term capital growth. Under </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">normal market conditions, the Fund </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">invests at least 80% of its net assets in </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">investments of issuers located outside </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">the U.S., including those in developing </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">markets.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Templeton Foreign VIP Fund (Class 2 Shares)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Templeton Investment Counsel, LLC</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.08%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">29.19%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">8.25%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">5.75%</span></div> </div> </td> </tr> <tr style="height: 36pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Current income and long-term growth </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">of capital.</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 161.8pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Victory Pioneer Equity Income VCT Portfolio </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">(Class II)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Victory Capital Management Inc.</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"> </div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.04%</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">11.13%</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">8.81%</span></div> </div> </td> <td style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">9.11%</span></div> </div> </td> </tr> </table> <div> <div style="clear: both; margin-top: 12.5pt; position: relative; width: 100%;"> <div style="float: left; line-height: 7pt; text-align: left; width: 3pt;"><span style="color: #000000; font-family: times new roman; font-size: 5pt; position: relative; top: -3.25pt;">1</span></div> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">There is no assurance that this Portfolio Company will be able to maintain a stable net asset value per share. In addition, during extended periods of low interest rates, and partly as a result of asset-based separate account charges, the yield on this investment account may become low and possibly negative.</span></div> </div> <div style="clear: both; position: relative;"> </div> </div> <div style="margin-top: 6pt;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0%;">The following is a list of </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">Portfolio Companies</span><span style="color: #000000; font-family: times new roman; font-size: 10pt;"> available under the policy. More information about the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">Portfolio </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0%;">Companies</span><span style="color: #000000; font-family: times new roman; font-size: 10pt;"> is available in the prospectuses for the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">Portfolio Companies</span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">, which may be amended from time to </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0%;">time and can be found online at </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">https://Guardianlife.onlineprospectus.net/Guardianlife/fs_vul2018/?ctype=product_prospectus</span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">. You can also request this information at no cost by calling the Customer Service </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0%;">Office Contact Center at 1-888-GUARDIAN (1-888-482-7342) or by sending an email request to </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">MyCareRequest@guardianlife.com</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;"> Depending on the optional benefits you choose, you may not be able to </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">invest in certain </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">Portfolio Companies</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; line-height: 12pt;"> </span></div> <div style="margin-top: 12pt;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0%;">The availability of Portfolio Companies may vary depending on registered representative through which the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">Policy is sold. </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; font-style: italic;">See Distribution of the Policies – Broker-Dealer Policy Variations.</span><span style="color: #000000; font-family: times new roman; font-size: 10pt; line-height: 12pt;"> </span></div> <div style="margin-top: 12pt;"><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0%;">The current expenses and performance information below reflects fee and expenses of the </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">Portfolio Companies</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%;">but do not reflect the other fees and expenses that your contract may charge. Expenses would be higher and </span><span style="color: #000000; font-family: times new roman; font-size: 10pt; margin-left: 0%;">performance would be lower if these other charges were included. Each </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">Portfolio Company</span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">’s past performance is </span><span style="color: #000000; font-family: times new roman; font-size: 10pt;">not necessarily an indication of future performance.</span><span style="color: #000000; font-family: times new roman; font-size: 1pt; line-height: 1pt;"> </span></div> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456.01pt; border: 0.5pt solid #000000;"> <tr style="height: 12.5pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 126.4pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 161.8pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;"> </span></div> </div> </td> <td colspan="3" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 126.0pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">As of December 31, 2025</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: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 126.4pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Type/Investment</span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Objective</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 161.8pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Portfolio Company And</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Adviser/SubAdviser</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Current</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Expenses</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">1 Year</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Average</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Annual</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Total</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Return</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">5 Year</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Average</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Annual</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Total</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Return</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">10 Year</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Average</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Annual</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Total</span><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold; line-height: 8pt;"> </span></div> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Return</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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Long-term growth of capital.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Davis Financial Portfolio</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Davis Selected Advisers, LP</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Davis Selected Advisers- NY, Inc.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.75%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">29.12%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">18.15%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">12.94%</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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Total return through a combination of </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">growth and income.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Davis Real Estate Portfolio</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Davis Selected Advisers, LP</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Davis Selected Advisers- NY, Inc.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.00%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">-5.71%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">2.61%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">4.04%</span></div> </div> </td> </tr> <tr style="height: 64pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Seeks reasonable income. The Fund </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">will also consider the potential for </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">capital appreciation. The Fund's goal </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">is to achieve a yield which exceeds the </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">composite yield on the securities </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">comprising the S&amp;P 500.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity VIP Equity-Income Portfolio (Service </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Class 2)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity Management &amp; Research Company LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">FMR Investment Management (UK) Limited,</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity Management &amp; Research (Hong Kong)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Limited, Fidelity Management &amp; Research (Japan)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Limited</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.71%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">18.75%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">12.23%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">11.32%</span></div> </div> </td> </tr> <tr style="height: 64pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Seeks as high a level of current </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">income as is consistent with </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">preservation of capital and liquidity.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity VIP Government Money Market Portfolio </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">(Service Class 2)</span><span style="color: #000000; font-family: times new roman; font-size: 4.5pt; margin-left: 0.0pt; position: relative; top: -3pt;">1</span> <div style="clear: right;"> </div> </div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity Management &amp; Research Company LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">FMR Investment Management (UK) Limited,</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity Management &amp; Research (Hong Kong)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Limited, Fidelity Management &amp; Research (Japan)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Limited</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.50%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">3.86%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">2.90%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.83%</span></div> </div> </td> </tr> <tr style="height: 47pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Seeks investment results that </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">correspond to the total return of </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">common stocks publicly traded in the </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">United States, as represented by the </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">S&amp;P 500.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity VIP Index 500 Portfolio (Initial)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity Management &amp; Research Company LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Geode Capital Management, LLC</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.09%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">17.78%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">14.31%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">14.70%</span></div> </div> </td> </tr> <tr style="height: 38.5pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks to provide capital </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">appreciation and moderate current </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">income while seeking to manage </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">volatility.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Balanced Allocation VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Wellington Management Company LLP</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.91%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">12.92%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_23_c2ace029_9301_492f_98a6_fce9702ca26b;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_102_6235860a_1fb3_605b_1aee_f10e6d51cc04;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> </tr> <tr style="height: 38.5pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks to provide a high level </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">of current income and capital </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">appreciation without undue risk to </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">principal.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Core Fixed Income VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">FIAM LLC</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.52%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">6.61%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_103_dc087dd0_533b_453a_fa0e_bd769e06b5fa;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_104_e2a73bb0_2dcd_0bd6_0558_041daf12cfef;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks a high level of current </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">income consistent with growth of </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">capital.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Equity Income VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Wellington Management Company LLP</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.55%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">14.76%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_105_dd52d09a_7b8d_bdc0_b5a9_8b4b491813de;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_106_83fc3a0a_2ed5_4b29_a31f_557d62686ec9;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> </tr> <tr style="height: 27.5pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks capital appreciation.</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 161.8pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Integrated Research VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Wellington Management Company LLP</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.84%</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">14.65%</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">12.63%</span></div> </div> </td> <td style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_107_d59b5cc0_93ce_8248_6308_1a097bce2342;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> </tr> </table> <table cellpadding="0" cellspacing="0" style="empty-cells: show; width: 456.01pt; border: 0.5pt solid #000000;"> <tr style="height: 12.5pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 126.4pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 161.8pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 0.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;"> </span></div> </div> </td> <td colspan="3" style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 126.0pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">As of December 31, 2025</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: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 126.4pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Type/Investment</span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Objective</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 161.8pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Portfolio Company And</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: center; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Adviser/SubAdviser</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Current</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Expenses</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">1 Year </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Average </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Annual </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Total </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Return</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">5 Year </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Average </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Annual </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Total </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Return</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.0pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">10 Year </span></div> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Average </span></div> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Annual </span></div> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Total </span></div> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7pt; font-weight: bold;">Return</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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks to maximize long-term </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">growth.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Large Cap Disciplined Growth VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Wellington Management Company LLP</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.87%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">16.99%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">12.01%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_101_185b7848_6361_9a7c_3652_fbe4b74f861b;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks long term growth of </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">capital.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Select Mid Cap Core VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">FIAM LLC</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.96%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">10.34%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_99_0211bb4e_a21f_c3c1_69b0_bd1242c6718b;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_100_79048090_c043_8eac_0194_33d3562084ae;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks to preserve principal </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">and meet liquidity needs while </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">maximizing total return.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Short Duration Bond VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Allspring Global Investments, LLC</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.45%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">5.35%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_97_6ac58023_2a33_da3a_b0bb_3cc7ea29220e;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_98_c20f7618_ac7a_d7b9_ba38_fd0082c34051;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks capital appreciation.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Small Cap Value Diversified VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Boston Partners Global Investors, Inc.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.05%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">6.66%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">4.56%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_96_f28e6d94_5ea1_56ba_2b81_193006f008a8;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks capital appreciation.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Small-Mid Cap Core VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">FIAM LLC</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.02%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.56%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_94_b7e9529a_b87d_0e25_e80e_2a5e3b230e11;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_95_78d30999_dea1_26c6_50dc_8fe5f2e5d2c7;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks capital appreciation.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Guardian Strategic Large Cap Core VIP Fund</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Park Avenue Institutional Advisers LLC</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">AllianceBernstein L.P.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.92%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">11.76%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_93_80b3a583_e1f9_04ba_6b00_0f9a5a1c5075;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;"><span class="sec-hidden" style="-sec-ix-hidden: h_60_dff6eb4d_8306_4bff_87a0_8302b794260c;">N/A</span></span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; line-height: 8.5pt;"> </span></div> </div> </td> </tr> <tr style="height: 21.5pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund’s investment objective is to </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">seek capital growth.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Invesco V.I. American Franchise Fund (Series II)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Invesco Advisers, Inc.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.10%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">11.39%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">10.08%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">14.58%</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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund’s investment objectives are </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">both capital appreciation and current </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">income.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Invesco V.I. Equity and Income Fund (Series II)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Invesco Advisers, Inc.</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.82%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">12.52%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">8.68%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">8.64%</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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Seeks long-term growth of capital.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Janus Henderson Research Portfolio (Service </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Shares)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Janus Henderson Investors US LLC</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.07%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">18.10%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">13.83%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">15.59%</span></div> </div> </td> </tr> <tr style="height: 72.5pt;"> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">To seek to provide growth of capital.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Nomura VIP Mid Cap Growth Series Service </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Class formerly Macquarie VIP Mid Cap Growth </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Series Service Class</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Delaware Management Company, a series of </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Macquarie Investment Management Business Trust </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">(a Delaware statutory trust)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Macquarie Investment Management Global </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Limited</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.85%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.18%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">-0.08%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">10.66%</span></div> </div> </td> </tr> <tr style="height: 38.5pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Portfolio seeks maximum total </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">return, consistent with preservation of </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">capital and prudent investment </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; 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: 2.125pt; padding-top: 2.125pt; vertical-align: Top; width: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">PIMCO Total Return Portfolio (Advisor Class)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">PIMCO</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.83%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">8.78%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">-0.08%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">2.26%</span></div> </div> </td> </tr> <tr style="height: 47pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Seeks capital appreciation.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Putnam VT Core Equity Fund (Class IB)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Franklin Advisers, Inc.</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Franklin Templeton Investment Management</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Limited</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Putnam Investments Limited (PIL)</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">0.20%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">16.81%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">15.96%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">15.20%</span></div> </div> </td> </tr> <tr style="height: 55.5pt;"> <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: 126.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Seeks long-term capital growth. Under </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">normal market conditions, the Fund </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">invests at least 80% of its net assets in </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">investments of issuers located outside </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">the U.S., including those in developing </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">markets.</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: 161.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Templeton Foreign VIP Fund (Class 2 Shares)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Templeton Investment Counsel, LLC</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.08%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">29.19%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; border-right: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">8.25%</span></div> </div> </td> <td style="border-bottom: 0.5pt solid #000000; padding-bottom: 2.125pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 9.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">5.75%</span></div> </div> </td> </tr> <tr style="height: 36pt;"> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 126.4pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Current income and long-term growth </span></div> <div style="margin-left: 3pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">of capital.</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Top; width: 161.8pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Victory Pioneer Equity Income VCT Portfolio </span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">(Class II)</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Victory Capital Management Inc.</span></div> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: left; white-space: nowrap;"> </div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">1.04%</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">11.13%</span></div> </div> </td> <td style="border-right: 0.5pt solid #000000; padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Bottom; width: 41.8pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 2.65pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">8.81%</span></div> </div> </td> <td style="padding-bottom: 1.5pt; padding-top: 2.125pt; vertical-align: Bottom; width: 42.4pt;"> <div style="line-height: 8.5pt; text-align: left;"> <div style="margin-left: 2.65pt; margin-right: 3pt; text-align: right; white-space: nowrap;"><span style="color: #000000; font-family: times new roman; font-size: 7.5pt;">9.11%</span></div> </div> </td> </tr> </table> <div style="float: left; line-height: 10pt; margin-left: 13pt; text-align: left; width: 435.00pt;"><span style="color: #000000; font-family: times new roman; font-size: 8pt;">There is no assurance that this Portfolio Company will be able to maintain a stable net asset value per share. In addition, during extended periods of low interest rates, and partly as a result of asset-based separate account charges, the yield on this investment account may become low and possibly negative.</span></div> Long-term growth of capital. Davis Financial Portfolio Davis Selected Advisers, LP Davis Selected Advisers- NY, Inc. 0.0075 0.2912 0.1815 0.1294 <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Total return through a combination of </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">growth and income.</span> Davis Real Estate Portfolio Davis Selected Advisers, LP Davis Selected Advisers- NY, Inc. 0.0100 -0.0571 0.0261 0.0404 <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Seeks reasonable income. The Fund </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">will also consider the potential for </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">capital appreciation. The Fund's goal </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">is to achieve a yield which exceeds the </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">composite yield on the securities </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">comprising the S&amp;P 500.</span> <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity VIP Equity-Income Portfolio (Service </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Class 2)</span> Fidelity Management &amp; Research Company LLC FMR Investment Management (UK) Limited,Fidelity Management &amp; Research (Hong Kong)Limited, Fidelity Management &amp; Research (Japan)Limited 0.0071 0.1875 0.1223 0.1132 <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Seeks as high a level of current </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">income as is consistent with </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">preservation of capital and liquidity.</span> <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Fidelity VIP Government Money Market Portfolio </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">(Service Class 2)</span> Fidelity Management &amp; Research Company LLC FMR Investment Management (UK) Limited,Fidelity Management &amp; Research (Hong Kong)Limited, Fidelity Management &amp; Research (Japan)Limited 0.0050 0.0386 0.0290 0.0183 <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Seeks investment results that </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">correspond to the total return of </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">common stocks publicly traded in the </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">United States, as represented by the </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">S&amp;P 500.</span> Fidelity VIP Index 500 Portfolio (Initial) Fidelity Management &amp; Research Company LLC Geode Capital Management, LLC 0.0009 0.1778 0.1431 0.1470 <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks to provide capital </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">appreciation and moderate current </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">income while seeking to manage </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">volatility.</span> Guardian Balanced Allocation VIP Fund Park Avenue Institutional Advisers LLC Wellington Management Company LLP 0.0091 0.1292 <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks to provide a high level </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">of current income and capital </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">appreciation without undue risk to </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">principal.</span> Guardian Core Fixed Income VIP Fund Park Avenue Institutional Advisers LLC FIAM LLC 0.0052 0.0661 <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks a high level of current </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">income consistent with growth of </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">capital.</span> Guardian Equity Income VIP Fund Park Avenue Institutional Advisers LLC Wellington Management Company LLP 0.0055 0.1476 The Fund seeks capital appreciation. Guardian Integrated Research VIP Fund Park Avenue Institutional Advisers LLC Wellington Management Company LLP 0.0084 0.1465 0.1263 <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks to maximize long-term </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">growth.</span> Guardian Large Cap Disciplined Growth VIP Fund Park Avenue Institutional Advisers LLC Wellington Management Company LLP 0.0087 0.1699 0.1201 <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks long term growth of </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">capital.</span> Guardian Select Mid Cap Core VIP Fund Park Avenue Institutional Advisers LLC FIAM LLC 0.0096 0.1034 <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund seeks to preserve principal </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">and meet liquidity needs while </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">maximizing total return.</span> Guardian Short Duration Bond VIP Fund Park Avenue Institutional Advisers LLC Allspring Global Investments, LLC 0.0045 0.0535 The Fund seeks capital appreciation. Guardian Small Cap Value Diversified VIP Fund Park Avenue Institutional Advisers LLC Boston Partners Global Investors, Inc. 0.0105 0.0666 0.0456 The Fund seeks capital appreciation. Guardian Small-Mid Cap Core VIP Fund Park Avenue Institutional Advisers LLC FIAM LLC 0.0102 0.0156 The Fund seeks capital appreciation. Guardian Strategic Large Cap Core VIP Fund Park Avenue Institutional Advisers LLC AllianceBernstein L.P. 0.0092 0.1176 <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund’s investment objective is to </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">seek capital growth.</span> Invesco V.I. American Franchise Fund (Series II) Invesco Advisers, Inc. 0.0110 0.1139 0.1008 0.1458 <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Fund’s investment objectives are </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">both capital appreciation and current </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">income.</span> Invesco V.I. Equity and Income Fund (Series II) Invesco Advisers, Inc. 0.0082 0.1252 0.0868 0.0864 Seeks long-term growth of capital. <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Janus Henderson Research Portfolio (Service </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Shares)</span> Janus Henderson Investors US LLC 0.0107 0.1810 0.1383 0.1559 To seek to provide growth of capital. <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Nomura VIP Mid Cap Growth Series Service </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Class formerly Macquarie VIP Mid Cap Growth </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Series Service Class</span> <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Delaware Management Company, a series of </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Macquarie Investment Management Business Trust </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">(a Delaware statutory trust)</span> <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Macquarie Investment Management Global </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Limited</span> 0.0085 0.0118 -0.0008 0.1066 <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">The Portfolio seeks maximum total </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">return, consistent with preservation of </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">capital and prudent investment </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">management.</span> PIMCO Total Return Portfolio (Advisor Class) PIMCO 0.0083 0.0878 -0.0008 0.0226 Seeks capital appreciation. Putnam VT Core Equity Fund (Class IB) Franklin Advisers, Inc. Franklin Templeton Investment ManagementLimitedPutnam Investments Limited (PIL) 0.0020 0.1681 0.1596 0.1520 <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Seeks long-term capital growth. Under </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">normal market conditions, the Fund </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">invests at least 80% of its net assets in </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">investments of issuers located outside </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">the U.S., including those in developing </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">markets.</span> Templeton Foreign VIP Fund (Class 2 Shares) Templeton Investment Counsel, LLC 0.0108 0.2919 0.0825 0.0575 <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Current income and long-term growth </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">of capital.</span> <span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">Victory Pioneer Equity Income VCT Portfolio </span><span style="color: #000000; font-family: times new roman; font-size: 7.5pt; margin-left: 0.0pt;">(Class II)</span> Victory Capital Management Inc. 0.0104 0.1113 0.0881 0.0911 Premium charges decline after Policy and Coverage Year 10. In each of Policy and Coverage Years 11 and beyond the guaranteed and current charge is 4% of premiums paid up to one Target Premium. For premiums in excess of one Target Premium the current charge is 0% and the guaranteed charge is 4%. The amount of the Target Premium for a Policy depends on the insured’s age, underwriting class and sex (unless gender-neutral rates are required by law). The minimum amount of Basic Sum Insured Target Premium for a non-substandard rated Policy is $2.58 per $1,000 of Face Amount and the maximum amount for a non-substandard rated Policy is $115.00 per $1,000 of Face Amount. The charge shown is for underwriting classes Preferred Plus NT, Preferred NT, non-smoker and standard. For substandard risks the maximum first year guaranteed or current charge is $34.80 per $1,000 of NAR. The charge shown is for underwriting classes Preferred Plus NT, Preferred NT, non-smoker and standard. For substandard risks the minimum first year guaranteed or current charge is $0.01 per $1,000 of NAR. As a percentage of Fund assets. The range of Total Annual Fund Operating Expenses shown above does not take into account any contractual and/or voluntary arrangements under which the funds’ advisers currently reimburse fund expenses or waive fees. Please see the prospectus for each underlying fund for more information about that fund’s expenses. If a policyowner is deemed to have engaged in “market timing,” a mutual fund may assess redemption fees. See “Frequent Transfers Among the Variable Investment Options.” The surrender charge is imposed upon full surrender of the Policy. The surrender charge decreases every year during the Surrender Charge Period until it reaches 0%. The Policy’s surrender charges and the Surrender Charge Period vary based on the insured’s age at issue, sex, and underwriting class for the Initial Face Amount and each increase in Face Amount. The surrender charge shown in the table above may not be representative of the charges you will pay Contact our Customer Service Office Contact Center or write to us at our Mailing Address. There is no assurance that this Portfolio Company will be able to maintain a stable net asset value per share. In addition, during extended periods of low interest rates, and partly as a result of asset-based separate account charges, the yield on this investment account may become low and possibly negative. The premium charge includes a charge for applicable premium taxes, which vary from jurisdiction to jurisdiction and, in those jurisdictions that charge them, currently range from 0.08%-5% (and certain municipalities in Kentucky charge an additional premium tax of up to 16% on first year premiums only). The cost of insurance charge varies based on the insured’s age, policy duration, sex, underwriting class and Face Amount for the Initial Face Amount and each increase in Face Amount. See “Deductions and Charges.” The representative cost of insurance charge shown may not be representative of the charges that you will pay. For more details, contact your registered representative. Currently, the administrative charge is imposed for the first 10 Policy Years and Coverage Years only. It is based on the insured’s age, sex, and underwriting class for the Basic Sum Insured and each Policy Segment. See “Deductions and Charges.” The administrative charge shown in the table may not be representative of the charges you will pay. For more details, contact your registered representative. After the later of the Insured’s Attained Age 60 or the 10th Policy Anniversary the maximum guaranteed interest rate is 3.5% for all outstanding and new Policy loans, and the current interest rate is 3% for all outstanding and new Policy loans. After taking into account the interest GIAC credits to the Loan Account, your effective rate of borrowing for a standard loan would be: (i) on a current basis, 1% annually until the later of the insured’s Attained Age 60 or the 10th Policy Anniversary, and 0% thereafter on all outstanding and new Policy loans, and (ii) on a guaranteed basis, 1% annually until the later of the insured’s Attained Age 60 or the 10th Policy Anniversary, and 0.5% thereafter for all outstanding and new Policy loans. Beginning on the 5th Policy Anniversary, the policyowner will have the option of taking a standard Policy loan or an indexed Policy loan. Only one type of Policy loan may be outstanding at any time. Amounts borrowed from Policy Account Value in the indexed option, if borrowed as an indexed loan, do not go into a separate Loan Collateral Account. These amounts are credited interest at 1.5% for Policy Account Value in the Holding Account and with index-linked interest for Policy Account Value in Indexed Segments. Charges for the ADB Rider, the WLPO Rider, the WMD Rider, and the DB Rider vary based on individual characteristics of the insured. The charges shown for the ADB, WMD, and DB riders are for underwriting classes Preferred Plus NT, Preferred NT, non-smoker and standard; for substandard there is an additional multiple increase. The charges shown may not be representative of the charges that you will pay. For more details, contact your registered representative.