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ven:bench20240201141Member 2025-12-31 2025-12-31 ven:Years iso4217:USD pure false 0000923495 N-4 false 2025-12-31 N-4 Separate Account EQ of Venerable Insurance and Annuity Company <div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:18.578558225508317%"></td> <td style="height:1px;background-color:#F2F2F2;;width:42.521256931608136%"></td> <td style="height:1px;background-color:#F2F2F2;;width:19.402957486136785%"></td> <td style="height:1px;background-color:#F2F2F2;;width:19.495378927911275%"></td> </tr> <tr> <td colspan="4" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.03pt;;"><b>FEES, EXPENSES, AND ADJUSTMENTS</b></span></span> </div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Are there Charges or </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Adjustments for </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Early Withdrawals?</b></span></span></div> </div> </td> <td colspan="3" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Each class of the Contract provides for different Withdrawal Charge periods and percentages:</span></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator® </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>—</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> If you surrender your Contract, apply Cash Value to a non-life contingent annuity </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payout option, or withdraw money from the Accumulator® Contract within </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">7</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> years following your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">last contribution, you will be assessed a Withdrawal Charge of up to </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">7%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> of such contribution. For </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">example, if you make a withdrawal in the first year, you could pay a Withdrawal Charge of up to </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$7,000</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> on a $100,000 investment;</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator® Plus</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>—</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> If you surrender your Contract, apply Cash Value to a non-life contingent </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuity payout option, or withdraw money from the Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contract within </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">8</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> years </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">following your last contribution, you will be assessed a Withdrawal Charge of up to </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">8%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> of such </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contribution. For example, if you make a withdrawal in the first year, you could pay a Withdrawal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charge of up to </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$8,000</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> on a $100,000 investment;</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator® Elite</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>—</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> If you surrender your Contract, apply Cash Value to a non-life contingent </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuity payout option, or withdraw money from the Accumulator® Elite</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contract within </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">4</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> years </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">following your last contribution, you will be assessed a Withdrawal Charge of up to </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">8%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> of such </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contribution. For example, if you make a withdrawal in the first year, you could pay a Withdrawal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charge of up to </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$8,000</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> on a $100,000 investment; and</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator® Select</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>—</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> No Withdrawal Charge.</span></div> </li> </ul></div> </div> <div style="background-color:#FFFFFF;padding-left:6pt;padding-top:6pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional information about charges for surrenders and early withdrawals see “Withdrawal Charge” </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>CHARGES AND FEES</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ in the Prospectus.</span></div> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Are there </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Transaction Charges?</b></span></span></div> </div> </td> <td colspan="3" style="background-color:#F2F2F2;;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> In addition to Withdrawal Charges, you may also be charged for other transactions (for special </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">requests such as express mail and duplicate Contracts).</span></div> </div> <div style="background-color:#F2F2F2;padding-left:6pt;padding-top:12pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional information about transaction charges see “Special Service Charges” in “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>CHARGES AND </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>FEES</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ in the Prospectus.</span></div> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:18.578558225508317%"></td> <td style="height:1px;background-color:#F2F2F2;;width:42.521256931608136%"></td> <td style="height:1px;background-color:#F2F2F2;;width:19.402957486136785%"></td> <td style="height:1px;background-color:#F2F2F2;;width:19.495378927911275%"></td> </tr> <tr> <td colspan="4" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.03pt;;"><b>FEES, EXPENSES, AND ADJUSTMENTS</b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.03pt;;">(continued) </span></span> </div> </td> </tr> <tr> <td colspan="1" rowspan="10" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Are there Ongoing </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Fees and Expenses?</b></span></span></div> </div> </td> <td colspan="3" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Each class of the Contract provides for different ongoing fees and expenses. The table below </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">describes the fees and expenses that you may pay </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>each year</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> under the Contract, depending on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">options you choose. Please refer to your Contract specifications page for information about the specific </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">fees you will pay each year based on the options you have elected.</span></div> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Fee</b></span></div> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:middle"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Minimum</b></span></div> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:middle"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Maximum</b></span></div> </div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Base Contract (varies by Contract class)</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽¹⁾</span></div> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.30%</span></div> </div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.71%</span></div> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Fund fees and expenses</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽²⁾</span></div> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:middle"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.54%</span></div> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:middle"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.38%</span></div> </div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional benefits available for an additional charge </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(for a single optional benefit, if elected)</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽³⁾</span></div> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.25%</span></div> </div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:middle"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.10%</span></div> </div> </td> </tr> <tr> <td colspan="3" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(1) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Expressed as an annual percentage of daily net assets in each Subaccount. The Base Contract fee </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consists of the Mortality and Expense Risk Charge, the Distribution Charge, and the annual $30 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Administrative Charge converted into a percentage and rounded up to the nearest one-hundredth of a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">percent. We calculate the Base Contract fee by dividing the total amount of these charges collected </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">during the last fiscal year by the total average net assets attributable to the Contracts for that year. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">minimum amount above reflects the Base Contract fee for the least expensive Contract class </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(Accumulator®), while the maximum amount reflects the Base Contract fee for the most expensive </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract class (Accumulator® Select).</span></div> </div> <div style="background-color:#FFFFFF;padding-left:6pt;padding-top:12pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(2) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Expressed as an annual percentage of daily net assets of the Funds. This range is for the year that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">ended December 31, 2025 and could change from year to year.</span></div> </div> <div style="background-color:#FFFFFF;padding-left:6pt;padding-top:12pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(3) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Expressed as an annual percentage of the applicable benefit base.</span></div> </div> </td> </tr> <tr> <td colspan="3" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Because your Contract is customizable, the choices you make affect how much you will pay. To help you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">understand the cost of owning your Contract, the following table shows the lowest and highest cost you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">could pay </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>each year</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, based on current charges. This estimate assumes no Credits, no loans, and that you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">do not take withdrawals from the Contract or make any other transactions, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>which could add Withdrawal </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Charges that substantially increase costs.</b></span></div> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Lowest Annual Cost</b></span></div> </div> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>$1,620</b></span></div> </div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:middle"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Highest Annual Cost</b></span></div> </div> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>$4,762</b></span></div> </div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Assumes:</span></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment of $100,000</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5% annual appreciation</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Least expensive combination of Contract class </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and Fund fees and expenses</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No optional benefits</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No sales charges</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No additional contributions, transfers, or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals</span></div> </li> </ul></div> </div> </td> <td colspan="2" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:middle"> <div style="background-color:;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Assumes:</span></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment of $100,000</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5% annual appreciation</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Most expensive combination of Contract </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">class (Accumulator® Select</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">), optional </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefits (GMIB with 6.5% Roll-up, Greater </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of 6.5% Roll-up to Age 85 or Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Ratchet to Age 85 death benefit, and the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Earnings Enhancement Benefit (“EEB”)), </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and Fund fees and expenses</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No sales charges</span></div> </li> </ul></div> </div> <div style="padding:0;margin:0;width:100%;"><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No additional contributions, transfers, or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals</span></div> </li> </ul></div> </div> </td> </tr> <tr> <td colspan="3" style="background-color:#F2F2F2;;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional information about ongoing fees and expenses see “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>FEES AND EXPENSES</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ and “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>CHARGES </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>AND FEES</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ in the Prospectus.</span></div> </div> </td> </tr> </table></div> <div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Are there Charges or </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Adjustments for </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Early Withdrawals?</b></span></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Each class of the Contract provides for different Withdrawal Charge periods and percentages:</span></div><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator® </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>—</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> If you surrender your Contract, apply Cash Value to a non-life contingent annuity </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payout option, or withdraw money from the Accumulator® Contract within </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">7</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> years following your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">last contribution, you will be assessed a Withdrawal Charge of up to </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">7%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> of such contribution. For </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">example, if you make a withdrawal in the first year, you could pay a Withdrawal Charge of up to </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$7,000</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> on a $100,000 investment;</span></div> </li> </ul></div><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator® Plus</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>—</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> If you surrender your Contract, apply Cash Value to a non-life contingent </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuity payout option, or withdraw money from the Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contract within </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">8</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> years </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">following your last contribution, you will be assessed a Withdrawal Charge of up to </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">8%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> of such </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contribution. For example, if you make a withdrawal in the first year, you could pay a Withdrawal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charge of up to </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$8,000</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> on a $100,000 investment;</span></div> </li> </ul></div><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator® Elite</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>—</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> If you surrender your Contract, apply Cash Value to a non-life contingent </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuity payout option, or withdraw money from the Accumulator® Elite</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contract within </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">4</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> years </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">following your last contribution, you will be assessed a Withdrawal Charge of up to </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">8%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> of such </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contribution. For example, if you make a withdrawal in the first year, you could pay a Withdrawal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charge of up to </span><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$8,000</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> on a $100,000 investment; and</span></div> </li> </ul></div><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator® Select</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>—</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> No Withdrawal Charge.</span></div> </li> </ul></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional information about charges for surrenders and early withdrawals see “Withdrawal Charge” </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>CHARGES AND FEES</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ in the Prospectus.</span></div> 7 0.07 7000 8 0.08 8000 4 0.08 8000 <div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Are there </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Transaction Charges?</b></span></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> In addition to Withdrawal Charges, you may also be charged for other transactions (for special </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">requests such as express mail and duplicate Contracts).</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional information about transaction charges see “Special Service Charges” in “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>CHARGES AND </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>FEES</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ in the Prospectus.</span></div> <div><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Are there Ongoing </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Fees and Expenses?</b></span></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Each class of the Contract provides for different ongoing fees and expenses. The table below </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">describes the fees and expenses that you may pay </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>each year</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> under the Contract, depending on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">options you choose. Please refer to your Contract specifications page for information about the specific </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">fees you will pay each year based on the options you have elected.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Fee</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Minimum</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Maximum</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Base Contract (varies by Contract class)</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽¹⁾</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.30%</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.71%</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Fund fees and expenses</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽²⁾</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.54%</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.38%</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional benefits available for an additional charge </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(for a single optional benefit, if elected)</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁽³⁾</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.25%</span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.10%</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(1) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Expressed as an annual percentage of daily net assets in each Subaccount. The Base Contract fee </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consists of the Mortality and Expense Risk Charge, the Distribution Charge, and the annual $30 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Administrative Charge converted into a percentage and rounded up to the nearest one-hundredth of a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">percent. We calculate the Base Contract fee by dividing the total amount of these charges collected </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">during the last fiscal year by the total average net assets attributable to the Contracts for that year. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">minimum amount above reflects the Base Contract fee for the least expensive Contract class </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(Accumulator®), while the maximum amount reflects the Base Contract fee for the most expensive </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract class (Accumulator® Select).</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(2) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Expressed as an annual percentage of daily net assets of the Funds. This range is for the year that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">ended December 31, 2025 and could change from year to year.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(3) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Expressed as an annual percentage of the applicable benefit base.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Because your Contract is customizable, the choices you make affect how much you will pay. To help you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">understand the cost of owning your Contract, the following table shows the lowest and highest cost you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">could pay </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>each year</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, based on current charges. This estimate assumes no Credits, no loans, and that you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">do not take withdrawals from the Contract or make any other transactions, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>which could add Withdrawal </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Charges that substantially increase costs.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Lowest Annual Cost</b></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>$1,620</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Highest Annual Cost</b></span></div><div><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>$4,762</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Assumes:</span></div><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment of $100,000</span></div> </li> </ul></div><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5% annual appreciation</span></div> </li> </ul></div><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Least expensive combination of Contract class </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and Fund fees and expenses</span></div> </li> </ul></div><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No optional benefits</span></div> </li> </ul></div><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No sales charges</span></div> </li> </ul></div><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No additional contributions, transfers, or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals</span></div> </li> </ul></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Assumes:</span></div><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment of $100,000</span></div> </li> </ul></div><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5% annual appreciation</span></div> </li> </ul></div><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Most expensive combination of Contract </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">class (Accumulator® Select</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">), optional </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefits (GMIB with 6.5% Roll-up, Greater </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of 6.5% Roll-up to Age 85 or Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Ratchet to Age 85 death benefit, and the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Earnings Enhancement Benefit (“EEB”)), </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and Fund fees and expenses</span></div> </li> </ul></div><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No sales charges</span></div> </li> </ul></div><div> <ul style="font-size:16pt;line-height:10pt;padding-left:35pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:19pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No additional contributions, transfers, or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals</span></div> </li> </ul></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional information about ongoing fees and expenses see “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>FEES AND EXPENSES</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ and “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>CHARGES </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>AND FEES</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ in the Prospectus.</span></div> 0.013 0.0171 0.0054 0.0138 0.0025 0.011 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Expressed as an annual percentage of daily net assets in each Subaccount. The Base Contract fee </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consists of the Mortality and Expense Risk Charge, the Distribution Charge, and the annual $30 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Administrative Charge converted into a percentage and rounded up to the nearest one-hundredth of a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">percent. We calculate the Base Contract fee by dividing the total amount of these charges collected </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">during the last fiscal year by the total average net assets attributable to the Contracts for that year. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">minimum amount above reflects the Base Contract fee for the least expensive Contract class </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(Accumulator®), while the maximum amount reflects the Base Contract fee for the most expensive </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract class (Accumulator® Select).</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Expressed as an annual percentage of daily net assets of the Funds. This range is for the year that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">ended December 31, 2025 and could change from year to year.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Expressed as an annual percentage of the applicable benefit base.</span> 1620 4762 <div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:18.578558225508317%"></td> <td style="height:1px;background-color:#F2F2F2;;width:81.42144177449168%"></td> </tr> <tr> <td colspan="2" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.03pt;;"><b>RISKS</b></span></span> </div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Is there a Risk of </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Loss from Poor </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Performance?</b></span></span> </div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The Contract is subject to the risk of loss. You could lose some or all of your Account Value. For </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">additional information about the risk of loss see “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Prospectus.</span></div> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Is this a Short-Term </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment?</b></span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>No.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The Contract is not a short-term investment and is not appropriate for an investor who needs ready </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">access to cash because the Contract is designed to provide for the accumulation of retirement savings </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and income on a long-term basis. As such, you should not use the Contract as a short-term investment or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">savings vehicle. A Withdrawal Charge may apply in certain circumstances and any withdrawals may also </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">be subject to federal and state income taxes and tax penalties.</span></div> </div> <div style="background-color:#F2F2F2;padding-left:6pt;padding-top:12pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional information about the investment profile of the Contract, see “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>PRINCIPAL RISKS OF </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>INVESTING IN THE CONTRACT</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ in the Prospectus</span></div> </div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>What are the Risks </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Associated with </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Options?</b></span></span> </div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An investment in the Contract is subject to the risk of poor investment performance and can vary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">depending on the performance of the investment options available under the Contract (e.g., the Funds). </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each investment option, including the Guaranteed Interest Option, has its own unique risks. You should </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">review the investment options available under the Contract, including the Fund prospectuses, before </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">making an investment decision.</span></div> </div> <div style="background-color:#FFFFFF;padding-left:6pt;padding-top:12pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional information about the risks associated with the investment options available under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract, see “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">,” “The Guaranteed Interest Option” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>AVAILABLE INVESTMENT OPTIONS</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ and “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>APPENDIX A – FUNDS AVAILABLE UNDER THE CONTRACT</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Prospectus.</span></div> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>What are the Risks</b></span></span><br/><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Related to the</b></span></span><br/><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Insurance Company?</b></span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An investment in the Contract is subject to risks related to the Company. The Company is solely </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">responsible to the Contract Owner for the Contract’s Account Value and the guaranteed benefits. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">general obligations, including the Guaranteed Interest Option and any guaranteed benefits under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract are supported by our general account and are subject to our claims paying ability. A Contract </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner should look solely to our financial strength for our claims-paying ability. More information about </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Company, including our financial strength ratings, is available upon request by writing to Customer </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Service at P.O. Box 9271, Des Moines, Iowa 50306-9271 or calling 1-800-366-0066.</span></div> </div> <div style="background-color:#F2F2F2;padding-left:6pt;padding-top:12pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional information about insurance company risks see “About Our General Account” in “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>OTHER </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>INFORMATION</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ in the Prospectus.</span></div> </div> </td> </tr> </table></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The Contract is subject to the risk of loss. You could lose some or all of your Account Value. For </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">additional information about the risk of loss see “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Prospectus.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>No.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The Contract is not a short-term investment and is not appropriate for an investor who needs ready </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">access to cash because the Contract is designed to provide for the accumulation of retirement savings </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and income on a long-term basis. As such, you should not use the Contract as a short-term investment or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">savings vehicle. A Withdrawal Charge may apply in certain circumstances and any withdrawals may also </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">be subject to federal and state income taxes and tax penalties.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional information about the investment profile of the Contract, see “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>PRINCIPAL RISKS OF </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>INVESTING IN THE CONTRACT</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ in the Prospectus</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An investment in the Contract is subject to the risk of poor investment performance and can vary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">depending on the performance of the investment options available under the Contract (e.g., the Funds). </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each investment option, including the Guaranteed Interest Option, has its own unique risks. You should </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">review the investment options available under the Contract, including the Fund prospectuses, before </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">making an investment decision.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional information about the risks associated with the investment options available under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract, see “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">,” “The Guaranteed Interest Option” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>AVAILABLE INVESTMENT OPTIONS</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ and “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>APPENDIX A – FUNDS AVAILABLE UNDER THE CONTRACT</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Prospectus.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An investment in the Contract is subject to risks related to the Company. The Company is solely </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">responsible to the Contract Owner for the Contract’s Account Value and the guaranteed benefits. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">general obligations, including the Guaranteed Interest Option and any guaranteed benefits under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract are supported by our general account and are subject to our claims paying ability. A Contract </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner should look solely to our financial strength for our claims-paying ability. More information about </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Company, including our financial strength ratings, is available upon request by writing to Customer </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Service at P.O. Box 9271, Des Moines, Iowa 50306-9271 or calling 1-800-366-0066.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional information about insurance company risks see “About Our General Account” in “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>OTHER </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>INFORMATION</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ in the Prospectus.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We may, at any time, exercise our rights to limit or terminate your contributions, allocations, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transfers to any of the Subaccounts and to limit the number of Subaccounts which you may select. Such </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">rights include, among others, combining any two or more Subaccounts, substituting Funds and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transferring Account Value from any Subaccount to another Subaccount. For more information see </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“Addition, Deletion or Substitution of Subaccounts and Other Changes” in “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>VENERABLE INSURANCE AND </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>ANNUITY COMPANY AND ITS SEPARATE ACCOUNT EQ</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ in the Prospectus.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contracts may be recaptured upon annuitization and death.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There are restrictions on the availability of investment options if guaranteed benefits are elected, limits </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on contributions and transfers into and out of the Guaranteed Interest Option, and restrictions or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">limitations with the dollar cost averaging programs. See </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>“OVERVIEW OF THE CONTRACT”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>“TRANSFERS AMONG YOUR INVESTMENT OPTIONS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> in the Prospectus for more information.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For more information see “Separate Account EQ” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>“VENERABLE INSURANCE AND ANNUITY COMPANY </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>AND ITS SEPARATE ACCOUNT EQ“</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> in the Prospectus. For additional information about the investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">options, including information regarding volatility management strategies and techniques, see </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>“THE </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>FUNDS“</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> and “Available Investment Options” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>“THE ANNUITY CONTRACT“</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> in the Prospectus.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> At any time, we have the right to limit or terminate your contributions, allocations, and transfers to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">any of the Subaccounts. If you have one or more guaranteed benefits (which are also known as optional </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefits) and we exercise our right to discontinue the acceptance of, and/or place additional limitations </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on, contributions to the Contract, you may no longer be able to fund your guaranteed benefit(s).</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We limit the availability of certain investment options if guaranteed benefits are elected. Withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may affect the availability of an optional benefit by reducing the benefit by an amount greater than the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">value withdrawn, and/or could terminate the benefit.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Loans are permitted under Rollover 403(b) Contracts with employer or plan approval, subject to certain </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">restrictions on loan amounts and other optional benefits.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional information about the optional benefits see </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>“DEATH BENEFITS“</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>“OPTIONAL LIVING </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>BENEFITS“</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>“OTHER BENEFITS“</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> in the Prospectus.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You should consult with a tax professional to determine the tax implications of an investment in, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payments received under, the Contract. There is no additional tax benefit to you if the Contract was </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">purchased through a tax-qualified plan or individual retirement account (“IRA”). Withdrawals will be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">subject to ordinary income tax and may be subject to tax penalties. Generally, you are not taxed until you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">make a withdrawal from the Contract.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional information about tax implications see </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>“FEDERAL TAX CONSIDERATIONS“</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> in the Prospectus.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Some financial professionals may receive compensation for selling the Contract to you, both in the form </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of commissions or in the form of contribution-based compensation. Financial professionals may also </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">receive additional compensation for enhanced marketing opportunities and other services (commonly </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">referred to as “marketing allowances”). This conflict of interest may influence the financial professional </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to recommend this Contract over another investment.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional information about compensation to financial professionals see “Distribution of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts” in “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>OTHER INFORMATION</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ in the Prospectus.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Some financial professionals may have a financial incentive to offer a new contract in place of the one </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you already own. You should only exchange your contract if you determine, after comparing the features, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">fees, and risks of both contracts, that it is preferable to purchase the new contract rather than continue </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to own your existing contract.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;"><b><i>FEES AND EXPENSES</i></b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The following tables describe the fees and expenses that you will pay when owning, surrendering, or making withdrawals from </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>the Contract. Each of the charges and expenses is more fully described in “CHARGES AND FEES.” Please refer to your Contract </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>specifications page for information about the specific fees you will pay each year based on the options you have elected.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The first table describes fees and expenses that you will pay at the time that you surrender the Contract or if you make certain </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>withdrawals or request special services. Charges designed to approximate certain taxes that may be imposed on us, such as </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>premium taxes in your state, may also apply.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:14.436pt;;"><b>Transaction Expenses</b></span></div><div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:48.00369685767098%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.975970425138632%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.975970425138632%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.975970425138632%"></td> <td style="height:1px;background-color:#F2F2F2;;width:13.068391866913124%"></td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Plus</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Elite</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Select</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Special Services Charges</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Express Mail Charge</span></span> </div> </li> </ul> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$90</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$90</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$90</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$90</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Wire Transfer Charge</span></span> </div> </li> </ul> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$35</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$35</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$35</span></div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$35</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Duplicate Contract Charge</span></span> </div> </li> </ul> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$35</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$35</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$35</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$35</span></div> </td> </tr> </table></div></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The next table describes the fees and expenses that you will pay </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b><i>each year</i></b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> during the time that you own the Contract (not </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>including Fund fees and expenses). If you elected an optional benefit, you will pay additional charges, as shown below.</b></span></div><div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:48.00369685767098%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.975970425138632%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.975970425138632%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.975970425138632%"></td> <td style="height:1px;background-color:#F2F2F2;;width:13.068391866913124%"></td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Contract Expenses</b></span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Plus</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Elite</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Select</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Administrative Charge</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$30</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$30</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$30</span></div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$30</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Base Contract Expense (a percentage of daily net assets in the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subaccounts)</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.30%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.55%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.65%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.70%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional Benefits Expenses</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:14pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>GMDB charges</b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> (as a percentage of the benefit base)</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">³</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:24pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Ratchet to Age 85</span></span> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.25%</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.25%</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.25%</span></div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.25%</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:24pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 6.5% Roll-up to Age 85 or Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁴</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:24pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 6% Roll-up to Age 85 or Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁵</span></span> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.80%</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.80%</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.80%</span></div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.80%</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:24pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 3% Roll-up to Age 85 or Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.65%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.65%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.65%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.65%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:14pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>GMIB charge</b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> (as a percentage of the benefit base)</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">³</span></span> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:24pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GMIB with 6.5% Roll-up</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁴</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.10%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.10%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.10%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.10%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:24pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GMIB with 6% Roll-up</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁵</span></span> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span></div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:14pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EEB charge</b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> (as a percentage of Account Value)</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.35%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.35%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.35%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:14pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Net Loan Interest Charge</b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> (as a percentage of amounts held </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the loan reserve account)</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁶</span></span> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">2.00%</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">2.00%</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">2.00%</span></div> </td> <td colspan="1" style="vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">2.00%</span></div> </td> </tr> </table></div></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The next table shows the minimum and maximum total operating expenses charged by the underlying Funds that you may pay </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>periodically during the time that you own the Contract. </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Expenses shown may change over time and may be higher or lower in the </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>future. </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>A complete list of Funds available under the Contract, including their annual expenses, may be found at the back of this </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>document. See “</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>APPENDIX A - FUNDS AVAILABLE UNDER THE CONTRACT.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>“</b></span></div><div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:62.93715341959334%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.486136783733826%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.578558225508317%"></td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Fund Expenses</b></span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="text-decoration:underline;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b><span style="text-decoration:underline;0.5 #000000 solid descender 0 -1 0">Minimum</span></b></span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="text-decoration:underline;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b><span style="text-decoration:underline;0.5 #000000 solid descender 0 -1 0">Maximum</span></b></span></span> </div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Expenses that are deducted from Fund assets including management fees, 12b-1 </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">fees, service fees, and other expenses.</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;vertical-align:top;;">*</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.54%</span></div> </td> <td colspan="1" style="background-color:;;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.38%</span></div> </td> </tr> </table></div></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;"><b>Withdrawal Charge (as a percentage of each contribution)</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9pt;;">^<b>1</b></span></div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;width:39.988909426987064%"></td> <td style="height:1px;width:6.658040665434382%"></td> <td style="height:1px;width:6.658040665434382%"></td> <td style="height:1px;width:6.658040665434382%"></td> <td style="height:1px;width:6.658040665434382%"></td> <td style="height:1px;width:6.658040665434382%"></td> <td style="height:1px;width:6.658040665434382%"></td> <td style="height:1px;width:6.658040665434382%"></td> <td style="height:1px;width:6.658040665434382%"></td> <td style="height:1px;width:6.7504621072088735%"></td> </tr> <tr> <td colspan="10" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Withdrawal Charge as a % of each contribution each year following receipt of the contribution</b></span></span> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Contract Year</b></span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>2</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>3</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>4</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>6</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>7</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>8</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>9+</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">7%</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">7%</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6%</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6%</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5%</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3%</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1%</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">0%</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">0%</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator® Plus</b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">8%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">8%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">7%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">7%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">4%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">0%</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator® Elite</b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">8%</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">7%</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6%</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5%</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">0%</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">0%</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">0%</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">0%</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">0%</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator® Select</b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span></span> </div> </td> <td colspan="9" style="background-color:#F2F2F2;;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">None</span></div> </td> </tr> </table></div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.623999999999999pt;;">Deducted upon surrender, annuitization under a non-life contingent annuity payout option, or a withdrawal of amounts in excess of the 10% free withdrawal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.623999999999999pt;;">amount, if applicable. The Withdrawal Charge percentage we use is determined by the number of years since receipt of the contribution to which the charge </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.623999999999999pt;;">relates. For each contribution, we consider the Contract Year in which the contribution is received as “year 1.” See “Charges and Fees – Withdrawal Charge” for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:9.623999999999999pt;;">additional information.</span> <div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:48.00369685767098%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.975970425138632%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.975970425138632%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.975970425138632%"></td> <td style="height:1px;background-color:#F2F2F2;;width:13.068391866913124%"></td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Plus</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Elite</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Select</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Special Services Charges</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Express Mail Charge</span></span> </div> </li> </ul> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$90</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$90</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$90</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$90</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Wire Transfer Charge</span></span> </div> </li> </ul> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$35</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$35</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$35</span></div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$35</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Duplicate Contract Charge</span></span> </div> </li> </ul> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$35</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$35</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$35</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$35</span></div> </td> </tr> </table></div> 90 90 90 90 35 35 35 35 35 35 35 35 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">The Express Mail Charge is currently $20. The Wire Transfer Charge is currently waived. The Duplicate Contract Charge is currently waived. We may increase </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">these charges up to the maximum shown and/or discontinue the waivers at any time, with or without notice.</span> <div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:48.00369685767098%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.975970425138632%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.975970425138632%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.975970425138632%"></td> <td style="height:1px;background-color:#F2F2F2;;width:13.068391866913124%"></td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Contract Expenses</b></span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Plus</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Elite</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator®</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Select</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span> </div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Administrative Charge</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">¹</span></span> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$30</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$30</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$30</span></div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$30</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Base Contract Expense (a percentage of daily net assets in the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subaccounts)</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.30%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.55%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.65%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.70%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional Benefits Expenses</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">²</span></span> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:14pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>GMDB charges</b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> (as a percentage of the benefit base)</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">³</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:24pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Ratchet to Age 85</span></span> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.25%</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.25%</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.25%</span></div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.25%</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:24pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 6.5% Roll-up to Age 85 or Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁴</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:24pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 6% Roll-up to Age 85 or Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁵</span></span> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.80%</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.80%</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.80%</span></div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.80%</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:24pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 3% Roll-up to Age 85 or Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.65%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.65%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.65%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.65%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:14pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>GMIB charge</b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> (as a percentage of the benefit base)</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">³</span></span> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"> </div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:24pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GMIB with 6.5% Roll-up</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁴</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.10%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.10%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.10%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.10%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:24pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GMIB with 6% Roll-up</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁵</span></span> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span></div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:14pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EEB charge</b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> (as a percentage of Account Value)</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.35%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.35%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.35%</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.35%</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:14pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Net Loan Interest Charge</b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> (as a percentage of amounts held </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the loan reserve account)</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">⁶</span></span> </div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">2.00%</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">2.00%</span></div> </td> <td colspan="1" style="border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">2.00%</span></div> </td> <td colspan="1" style="vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">2.00%</span></div> </td> </tr> </table></div> 30 30 30 30 0.013 0.0155 0.0165 0.017 0.0025 0.0025 0.0025 0.0025 0.0095 0.0095 0.0095 0.0095 0.008 0.008 0.008 0.008 0.0065 0.0065 0.0065 0.0065 0.011 0.011 0.011 0.011 0.0095 0.0095 0.0095 0.0095 0.0035 0.0035 0.0035 0.0035 0.02 0.02 0.02 0.02 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">The Annual Administrative Charge is deducted from your Account Value on each Contract Date Anniversary. If the Contract is surrendered or annuitized or a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">death benefit is paid on any date other than the Contract Date Anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Account Value on a Contract Date Anniversary is $50,000 or more there is no charge. During the first two Contract Years this charge, if applicable, is equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">lesser of $30 or 2% of your Account Value. Thereafter, the charge, if applicable, is $30 for each Contract Year.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Deducted annually on each Contract Date Anniversary for which the benefit is in effect. If the Contract is surrendered or annuitized or a death benefit is paid, or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">the benefit is terminated (if applicable) on any date other than the Contract Date Anniversary, we will deduct a pro rata portion of the charge for that year.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">The benefit base is not an Account Value or Cash Value. If you elected the GMIB and/or the GMDB when you purchased your EFLIC Contract, your initial benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">base was equal to your initial contributions to your EFLIC Contract. For Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:6pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"> Contracts, your initial benefit base did not include the Credit. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Subsequent adjustments to the applicable benefit base may result in a benefit base that is significantly different from your total contributions or Account Value. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">See “Death Benefit Options” in “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:22pt;margin-left:0pt;"><i>DEATH BENEFITS</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">“ and “Guaranteed Minimum Income Benefit (“GMIB”)” in “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:22pt;margin-left:0pt;"><i>OPTIONAL LIVING BENEFITS.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">“</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">The current charge is 0.80%. We will increase this charge to the maximum charge shown in the table if you elect to reset your Roll-up Benefit Base on any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Date Anniversary. See “Enhanced Death Benefit Charges” in “CHARGES AND FEES”. The charge was not increased for any reset prior to April 1, 2013 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">under the EFLIC Contract.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">The current charge is 0.65%. We will increase this charge to the maximum charge shown in the table if you elect to reset your Roll-up Benefit Base on any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Date Anniversary. See “Enhanced Death Benefit Charges” in “CHARGES AND FEES”. The charge was not increased for any reset prior to April 1, 2013 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">under the EFLIC Contract.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">The net loan interest charge is the difference between the rate of interest we charge you for a loan and the rate of interest we credit on the amount in your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">loan reserve account. In no event will the net loan interest charge exceed 2.00%. See “Loans under Rollover 403(b) Contracts” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:22pt;margin-left:0pt;"><i>“OTHER BENEFITS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"> for more </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">information on how the loan interest is calculated and for restrictions that may apply.</span> <div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:62.93715341959334%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.486136783733826%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.578558225508317%"></td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Fund Expenses</b></span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="text-decoration:underline;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b><span style="text-decoration:underline;0.5 #000000 solid descender 0 -1 0">Minimum</span></b></span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="text-decoration:underline;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b><span style="text-decoration:underline;0.5 #000000 solid descender 0 -1 0">Maximum</span></b></span></span> </div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Expenses that are deducted from Fund assets including management fees, 12b-1 </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">fees, service fees, and other expenses.</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;vertical-align:top;;">*</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.54%</span></div> </td> <td colspan="1" style="background-color:;;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.38%</span></div> </td> </tr> </table></div> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Expenses that are deducted from Fund assets including management fees, 12b-1 </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">fees, service fees, and other expenses.</span></span> 0.0054 0.0138 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">These are the minimum and maximum Fund fees and expenses before any expense reimbursements or fee waiver arrangements. Please note that the Fund </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">fees shown in APPENDIX A are after (net of) any expense reimbursements or fee waiver arrangements.</span> <div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:26.1645101663586%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.4362292051756%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.4362292051756%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.4362292051756%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.52865064695009%"></td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"></div> </td> <td colspan="4" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>If you surrender or annuitize your Contract under a non-life contingent annuity payout option at </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>the end of the applicable time period</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 year</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>3 years</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 years</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 years</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator®</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$12,231</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$22,101</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$32,551</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$59,000</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$13,480</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$23,822</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$34,704</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$61,033</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Elite</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$13,579</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$23,109</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$29,161</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$61,832</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Select</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$5,629</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$17,252</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$29,390</span></div> </td> <td colspan="1" style="background-color:;;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$62,228</span></div> </td> </tr> </table></div> 12231 22101 32551 59000 13480 23822 34704 61033 13579 23109 29161 61832 5629 17252 29390 62228 <div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:26.1645101663586%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.4362292051756%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.4362292051756%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.4362292051756%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.52865064695009%"></td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"></div> </td> <td colspan="4" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>If you do not surrender or annuitize your Contract or you annuitize your Contract under a life </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>contingent annuity payout option at the end of the applicable time period</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 year</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>3 years</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 years</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 years</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator®</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$5,231</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$16,101</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$27,551</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$59,000</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$5,480</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$16,822</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$28,704</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$61,033</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Elite</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$5,579</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$17,109</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$29,161</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$61,832</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Select</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$5,629</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$17,252</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$29,390</span></div> </td> <td colspan="1" style="background-color:;;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$62,228</span></div> </td> </tr> </table></div> 5231 16101 27551 59000 5480 16822 28704 61033 5579 17109 29161 61832 5629 17252 29390 62228 <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;"><b><i>PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</i></b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The risks identified below are the principal risks of investing in the Contract. The Contract may be subject to additional risks other </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">than those identified and described in this Prospectus.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Risk of Loss.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> All investments have risks to some degree and it is possible that you could lose money by investing in the Contract. An </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment in the Contract is not a deposit with a bank and is not insured or guaranteed by the Federal Deposit Insurance </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Corporation or any other government agency.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Risk of Poor Investment Performance.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> You should regularly evaluate the Contract’s long-term investment potential and risks. For </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amounts you allocate to the Subaccounts of the Separate Account:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your values will fluctuate with the markets, interest rates and the performance of the underlying Funds;</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You assume the risk that your values may decline or not perform to your expectations;</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each Fund has various investment risks, and some options are riskier than others;</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There is no assurance that any of the Funds will achieve its stated investment objective;</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The particular risks associated with each Fund are detailed in the Fund’s prospectus;</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You should read each Fund’s prospectus and understand the risks associated with it before allocating Account Value to its </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">corresponding Subaccount; and</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you request a full surrender or apply your entire Account Value to a non-life contingent annuity payout option, the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applicable Withdrawal Charge percentage will be applied to the total amount of each contribution subject to a Withdrawal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charge, even if your Account Value is less than the sum of your contributions because of poor investment performance and/or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">fees and charges. The Withdrawal Charge assessed may be greater than the amount that would be assessed if the Withdrawal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charge percentage was applied only to the amount actually surrendered or annuitized.</span> </div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For amounts you allocate to the Guaranteed Interest Option or Account for Special DCA:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Interest rates we declare will change over time to reflect then current market conditions; and</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You assume the risk that interest rates for the specified periods in the future may be less than current interest rates for the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">same or similar periods.</span> </div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You should monitor and periodically re-evaluate your allocations to determine if they are still appropriate given your financial goals, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment time horizon and risk tolerance.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The Contract is Not a Short-Term Investment.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The Contract is not appropriate if you need ready access to cash because the Contract </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is designed to provide for the accumulation of retirement savings and income on a long-term basis. Withdrawal Charges may apply </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for up to eight years after each contribution. They will reduce the value of your Contract if you withdraw money from or surrender </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your Contract during that time. The benefits of tax deferral and the optional living benefit protections also mean the Contract is more </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">beneficial to investors with a long-term investment time horizon.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Contract Benefit Risk.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The availability of certain investment options is limited if guaranteed benefits are elected. We may limit or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">stop accepting contributions and transfers to the Subaccounts which means that you may no longer increase your Account Value and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the benefit bases associated with your guaranteed benefits through contributions and transfers. Excess Withdrawals may terminate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or significantly reduce the value of your optional benefits.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>If you elected the Greater of 6% Roll-up to Age 85 or Annual Ratchet to Age 85 enhanced death benefit and you choose to invest in </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>the investment options with a lower Roll-up rate, you will still be subject to the same charge for the benefit that you would be </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>subject to if you invested exclusively in the investment options with a higher Roll-up rate despite receiving a lower Roll-up rate for </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>your investment in the investment options with a lower Roll-up rate. See “Calculating Your Roll-up Benefit Base Following a </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Transfer” in  ”TRANSFERS AMONG YOUR INVESTMENT OPTIONS.”</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subaccount selection and withdrawals can impact and reduce the death benefits and living benefits available under the Contract </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>See </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>“BENEFITS AVAILABLE UNDER THE CONTRACT,” and for more details about each benefit, please see the corresponding section in </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>this prospectus.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Insurance Company and Business Continuity Risk.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">All</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> obligations, guarantees, and benefits of the Contract including those </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">associated with the Guaranteed Interest Option, are subject to the financial strength and claims paying ability of the Company. If the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company experiences financial distress, it may not be able to meet its obligations to you. More information about the Company, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">including its financial strength, is available on request by writing to Customer Service at P.O. Box 9271, Des Moines, Iowa 50306-9271 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or calling 1-800-366-0066.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">All businesses are subject to potential business disruption because of, among other things, power outages, weather related events, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">natural disasters and public health and safety concerns, including those associated with pandemics. To help prepare for these types </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of events, the Company has adopted a comprehensive approach to planning for possible disruptions to its critical business operations </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that allows it to quickly react in the event of a crisis or other major event. This approach includes crisis management, business </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">continuity, business impact, disaster recovery and crisis communication elements that are regularly monitored and tested so as to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reduce the risk that our business operations are materially disrupted for a significant period of time.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Contract Changes Risk.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We reserve the right to:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Close or remove subaccounts to future investment and to substitute Subaccounts that are currently available under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>See </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>“Addition, Deletion or Substitution of Subaccounts and Other Changes”</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> for more information;</b></span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Suspend electronic trading privileges for those that are found to have violated our Excessive Trading Policy. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>See “</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>TRANSFERS </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AMONG YOUR INVESTMENT OPTIONS</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> - Excessive Trading Policy” for more information;</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> and</span> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Increase current charges for certain living benefits, but not above the guaranteed maximum charges allowed. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>See “CHARGES </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AND FEES” and “OPTIONAL LIVING BENEFITS” for more information.</b></span> </div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Cyber-Security Risks.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Like others in our industry, we are subject to operational and information security risks resulting from </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“cyber-attacks,” “hacking” or similar illegal or unauthorized intrusions into computer systems and networks. These risks include, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">among other things, the theft, misuse, corruption, and destruction of data maintained online or digitally, denial of service attacks on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">websites, and other operational disruption and unauthorized release of confidential customer information. Although we seek to limit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">our vulnerability to such risks through technological and other means and we rely on industry standard commercial technologies to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">maintain the security of our information systems, it is not possible to anticipate or prevent all potential forms of cyber-attack or to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">guarantee our ability to fully defend against all such attacks. In addition, due to the sensitive nature of much of the financial and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">similar personal information we maintain, we may be at particular risk for targeting.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Cyber-attacks affecting us, any third-party administrator, the underlying Funds, intermediaries and other affiliated or third-party </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">service providers may adversely affect us and your Contract value. For instance, cyber-attacks may interfere with our processing of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract transactions, including the processing of orders from our website or with the underlying Funds, impact our ability to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">calculate Unit values, cause the release and possible destruction of confidential customer or business information, impede order </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">processing, subject us and/or our service providers and intermediaries to regulatory fines and financial losses and/or cause </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reputational damage. Cyber security risks may also affect the issuers of securities in which the underlying Funds invest, which may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">cause the Funds underlying your Contract to lose value. There can be no assurance that we or the underlying Funds or our service </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">providers will avoid losses affecting your Contract that result from cyber-attacks or information security breaches in the future.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Possible Adverse Tax Consequences.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The tax considerations associated with the Contract vary and can be complicated. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applicable tax rules can differ, depending on the type of Contract you own – non-qualified, traditional IRA, Roth IRA or Qualified </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract. The tax consequences discussed in this Prospectus are general in nature and describe only federal income tax law (not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">state, local, foreign, or other federal tax laws). Moreover, the tax aspects that apply to a particular person’s Contract may vary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">depending on the facts applicable to that person. Tax rules may change without notice. We cannot predict whether, when, or how </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">these rules could change. Any change could affect Contracts purchased before the change. Congress may also consider further </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">proposals to comprehensively reform or overhaul the United States tax and retirement systems, which if enacted, could affect the tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefits of a Contract. We cannot predict what, if any, legislation will actually be proposed or enacted. Before making contributions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to your Contract or taking other action related to your Contract, you should consult with a tax professional to determine the tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">implications of an investment in, and payments received under, the Contract.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals are generally subject to income tax, and may be subject to an additional tax if taken before age 59½.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator® Plus</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> Contracts.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The fees and charges for Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contracts are higher than for other Accumulator® </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts and the amount of the Credit may be more than offset by these higher fees and charges. Credits may be recaptured upon </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuitization and death. Because the exact dollar amount of the Credits is recaptured in these circumstances, you will retain any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">gains or losses attributable to the investment experience of the recaptured Credits while they were allocated to your Contract. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals taken during the first EFLIC Contract Year may limit Credits for additional contributions. We may limit or stop accepting </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions, which means that you may no longer receive additional Credits but you will still be subject to the higher fees and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">charges for the Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contract. Additionally, except to the extent they increase your Account Value, Credits are not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">included when calculating any of your benefit bases under the optional benefits. See “Credits” in “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>THE ANNUITY CONTRACT</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">more information.</span></div> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Risk of Loss.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> All investments have risks to some degree and it is possible that you could lose money by investing in the Contract. An </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment in the Contract is not a deposit with a bank and is not insured or guaranteed by the Federal Deposit Insurance </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Corporation or any other government agency.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Risk of Poor Investment Performance.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> You should regularly evaluate the Contract’s long-term investment potential and risks. For </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amounts you allocate to the Subaccounts of the Separate Account:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your values will fluctuate with the markets, interest rates and the performance of the underlying Funds;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You assume the risk that your values may decline or not perform to your expectations;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each Fund has various investment risks, and some options are riskier than others;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There is no assurance that any of the Funds will achieve its stated investment objective;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The particular risks associated with each Fund are detailed in the Fund’s prospectus;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You should read each Fund’s prospectus and understand the risks associated with it before allocating Account Value to its </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">corresponding Subaccount; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you request a full surrender or apply your entire Account Value to a non-life contingent annuity payout option, the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applicable Withdrawal Charge percentage will be applied to the total amount of each contribution subject to a Withdrawal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charge, even if your Account Value is less than the sum of your contributions because of poor investment performance and/or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">fees and charges. The Withdrawal Charge assessed may be greater than the amount that would be assessed if the Withdrawal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charge percentage was applied only to the amount actually surrendered or annuitized.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For amounts you allocate to the Guaranteed Interest Option or Account for Special DCA:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Interest rates we declare will change over time to reflect then current market conditions; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You assume the risk that interest rates for the specified periods in the future may be less than current interest rates for the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">same or similar periods.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You should monitor and periodically re-evaluate your allocations to determine if they are still appropriate given your financial goals, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment time horizon and risk tolerance.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The Contract is Not a Short-Term Investment.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The Contract is not appropriate if you need ready access to cash because the Contract </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is designed to provide for the accumulation of retirement savings and income on a long-term basis. Withdrawal Charges may apply </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for up to eight years after each contribution. They will reduce the value of your Contract if you withdraw money from or surrender </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your Contract during that time. The benefits of tax deferral and the optional living benefit protections also mean the Contract is more </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">beneficial to investors with a long-term investment time horizon.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Contract Benefit Risk.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The availability of certain investment options is limited if guaranteed benefits are elected. We may limit or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">stop accepting contributions and transfers to the Subaccounts which means that you may no longer increase your Account Value and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the benefit bases associated with your guaranteed benefits through contributions and transfers. Excess Withdrawals may terminate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or significantly reduce the value of your optional benefits.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Insurance Company and Business Continuity Risk.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">All</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> obligations, guarantees, and benefits of the Contract including those </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">associated with the Guaranteed Interest Option, are subject to the financial strength and claims paying ability of the Company. If the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company experiences financial distress, it may not be able to meet its obligations to you. More information about the Company, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">including its financial strength, is available on request by writing to Customer Service at P.O. Box 9271, Des Moines, Iowa 50306-9271 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or calling 1-800-366-0066.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">All businesses are subject to potential business disruption because of, among other things, power outages, weather related events, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">natural disasters and public health and safety concerns, including those associated with pandemics. To help prepare for these types </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of events, the Company has adopted a comprehensive approach to planning for possible disruptions to its critical business operations </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that allows it to quickly react in the event of a crisis or other major event. This approach includes crisis management, business </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">continuity, business impact, disaster recovery and crisis communication elements that are regularly monitored and tested so as to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reduce the risk that our business operations are materially disrupted for a significant period of time.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Contract Changes Risk.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We reserve the right to:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Close or remove subaccounts to future investment and to substitute Subaccounts that are currently available under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>See </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>“Addition, Deletion or Substitution of Subaccounts and Other Changes”</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> for more information;</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Suspend electronic trading privileges for those that are found to have violated our Excessive Trading Policy. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>See “</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>TRANSFERS </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AMONG YOUR INVESTMENT OPTIONS</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> - Excessive Trading Policy” for more information;</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Increase current charges for certain living benefits, but not above the guaranteed maximum charges allowed. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>See “CHARGES </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AND FEES” and “OPTIONAL LIVING BENEFITS” for more information.</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Cyber-Security Risks.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Like others in our industry, we are subject to operational and information security risks resulting from </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“cyber-attacks,” “hacking” or similar illegal or unauthorized intrusions into computer systems and networks. These risks include, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">among other things, the theft, misuse, corruption, and destruction of data maintained online or digitally, denial of service attacks on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">websites, and other operational disruption and unauthorized release of confidential customer information. Although we seek to limit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">our vulnerability to such risks through technological and other means and we rely on industry standard commercial technologies to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">maintain the security of our information systems, it is not possible to anticipate or prevent all potential forms of cyber-attack or to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">guarantee our ability to fully defend against all such attacks. In addition, due to the sensitive nature of much of the financial and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">similar personal information we maintain, we may be at particular risk for targeting.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Cyber-attacks affecting us, any third-party administrator, the underlying Funds, intermediaries and other affiliated or third-party </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">service providers may adversely affect us and your Contract value. For instance, cyber-attacks may interfere with our processing of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract transactions, including the processing of orders from our website or with the underlying Funds, impact our ability to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">calculate Unit values, cause the release and possible destruction of confidential customer or business information, impede order </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">processing, subject us and/or our service providers and intermediaries to regulatory fines and financial losses and/or cause </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reputational damage. Cyber security risks may also affect the issuers of securities in which the underlying Funds invest, which may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">cause the Funds underlying your Contract to lose value. There can be no assurance that we or the underlying Funds or our service </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">providers will avoid losses affecting your Contract that result from cyber-attacks or information security breaches in the future.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Possible Adverse Tax Consequences.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The tax considerations associated with the Contract vary and can be complicated. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applicable tax rules can differ, depending on the type of Contract you own – non-qualified, traditional IRA, Roth IRA or Qualified </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract. The tax consequences discussed in this Prospectus are general in nature and describe only federal income tax law (not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">state, local, foreign, or other federal tax laws). Moreover, the tax aspects that apply to a particular person’s Contract may vary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">depending on the facts applicable to that person. Tax rules may change without notice. We cannot predict whether, when, or how </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">these rules could change. Any change could affect Contracts purchased before the change. Congress may also consider further </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">proposals to comprehensively reform or overhaul the United States tax and retirement systems, which if enacted, could affect the tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefits of a Contract. We cannot predict what, if any, legislation will actually be proposed or enacted. Before making contributions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to your Contract or taking other action related to your Contract, you should consult with a tax professional to determine the tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">implications of an investment in, and payments received under, the Contract.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals are generally subject to income tax, and may be subject to an additional tax if taken before age 59½.</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accumulator® Plus</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> Contracts.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The fees and charges for Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contracts are higher than for other Accumulator® </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts and the amount of the Credit may be more than offset by these higher fees and charges. Credits may be recaptured upon </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuitization and death. Because the exact dollar amount of the Credits is recaptured in these circumstances, you will retain any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">gains or losses attributable to the investment experience of the recaptured Credits while they were allocated to your Contract. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals taken during the first EFLIC Contract Year may limit Credits for additional contributions. We may limit or stop accepting </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions, which means that you may no longer receive additional Credits but you will still be subject to the higher fees and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">charges for the Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contract. Additionally, except to the extent they increase your Account Value, Credits are not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">included when calculating any of your benefit bases under the optional benefits. See “Credits” in “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>THE ANNUITY CONTRACT</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">more information.</span> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;"><b><i>BENEFITS AVAILABLE UNDER THE CONTRACTS</i></b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following tables summarize important information about the benefits available under the Contract.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:14.436pt;;"><b>Death Benefits</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following death benefits are available during the accumulation phase:</span></div><div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:16.722735674676525%"></td> <td style="height:1px;background-color:#F2F2F2;;width:21.43992606284658%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.78558225508318%"></td> <td style="height:1px;background-color:#F2F2F2;;width:9.083179297597043%"></td> <td style="height:1px;background-color:#F2F2F2;;width:9.083179297597043%"></td> <td style="height:1px;background-color:#F2F2F2;;width:24.88539741219963%"></td> </tr> <tr> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Name of Benefit</b></span></span> </div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Purpose</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Standard/Optional</b></span></div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Fee</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Brief Description of</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Restrictions/Limitations</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Max</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Current</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Standard Death </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guarantees beneficiaries </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will receive a benefit at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">least equal to your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions less </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjusted withdrawals.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Standard</span> </div> </td> <td colspan="2" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No Additional Charge</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit differs based on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Owner’s age on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract Date.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit terminates if the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner received and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">accepted an offer to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate an optional </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">guaranteed death or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A GMDB that provides a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater of (i) total </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions adjusted for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals (including </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">any associated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges); and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(ii) the highest Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value on any Contract </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Date Anniversary up to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Contract Date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Anniversary following the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner’s 85th birthday </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjusted for withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(including any associated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges)(plus </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">any subsequent </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions).</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional</span> </div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.25%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of the benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit base except to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 6.5% </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Roll-up to Age 85 or </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A GMDB that provides a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater of (i) the Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Ratchet to Age 85 death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit (described above); </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and (ii) total contributions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjusted for withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(including any associated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges) plus </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a roll-up amount that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">accrues daily.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.80%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:;;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit base except to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> </div> </li> </ul> </div> </td> </tr> </table></div></div><div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:16.722735674676525%"></td> <td style="height:1px;background-color:#F2F2F2;;width:21.43992606284658%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.78558225508318%"></td> <td style="height:1px;background-color:#F2F2F2;;width:9.083179297597043%"></td> <td style="height:1px;background-color:#F2F2F2;;width:9.083179297597043%"></td> <td style="height:1px;background-color:#F2F2F2;;width:24.88539741219963%"></td> </tr> <tr> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Name of Benefit</b></span></span> </div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Purpose</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Standard/Optional</b></span></div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Fee</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Brief Description of</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Restrictions/Limitations</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Max</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Current </b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 6% </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Roll-up to Age 85 or </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A GMDB that provides a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater of (i) the Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Ratchet to Age 85 death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit (described above); </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and (ii) total contributions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjusted for withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(including any associated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges) plus </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a roll-up amount that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">accrues daily.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.80%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.65%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit bases except to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 3% </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Roll-up to Age 85 or </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A GMDB that provides a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater of (i) the Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Ratchet to Age 85 death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit (described above); </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and (ii) total contributions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjusted for withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(including any associated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges) plus </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a roll-up amount that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">accrues daily.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional</span> </div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.65%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of the benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for QP, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Flexible Premium IRA and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Inherited IRA Contracts.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit base except to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Earnings </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhancement </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Provides and additional </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit equal to a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">percentage of the greater </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of (i) the Account Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">less total net </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions; and (ii) the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applicable death benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">less total net </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional</span> </div> </td> <td colspan="2" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.35%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit differs based on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Owner’s age on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract Date.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Account </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Provides a death benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">equal to your Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional</span> </div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No Additional Charge</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Available only to Owners </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">who received and accepted </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an offer to terminate an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">optional guaranteed death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or income benefit</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If an offer is accepted, all </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">other death benefits </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate, including the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Standard Death Benefit.</span> </div> </li> </ul> </div> </td> </tr> </table></div></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:14.436pt;;"><b>Living Benefits</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following living benefits are available during the accumulation phase:</span></div><div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:16.722735674676525%"></td> <td style="height:1px;background-color:#F2F2F2;;width:21.43992606284658%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.78558225508318%"></td> <td style="height:1px;background-color:#F2F2F2;;width:9.083179297597043%"></td> <td style="height:1px;background-color:#F2F2F2;;width:9.083179297597043%"></td> <td style="height:1px;background-color:#F2F2F2;;width:24.88539741219963%"></td> </tr> <tr> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Name of Benefit</b></span></span> </div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Purpose</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Standard/Optional</b></span></div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Fee</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Brief Description of</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Restrictions/Limitations</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Max</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Current</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guaranteed </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Income </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit (“GMIB”) </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with 6.5% Roll-up</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guarantees a minimum </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amount of fixed income </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under a life annuity fixed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payout option or a life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with a period certain </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuity payout option.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.10%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.80%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate the benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment restrictions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">apply if elected without the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 6.5% Roll-up to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85 or Annual Ratchet </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to Age 85 enhanced death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit base except to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guaranteed </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Income </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit (“GMIB”) </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with 6% Roll-up</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guarantees a minimum </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amount of fixed income </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under a life annuity fixed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payout option or a life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with a period certain </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuity payout option.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.65%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate the benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment restrictions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">apply if elected without the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 6.5, 6%, or 3% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Roll-up to Age 85 or Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Ratchet to Age 85 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">enhanced death benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit base except to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> </div> </li> </ul> </div> </td> </tr> </table></div></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:14.436pt;;"><b>Other Benefits</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">These other benefits are available during the accumulation phase:</span></div><div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:16.722735674676525%"></td> <td style="height:1px;background-color:#F2F2F2;;width:21.43992606284658%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.78558225508318%"></td> <td style="height:1px;background-color:#F2F2F2;;width:9.083179297597043%"></td> <td style="height:1px;background-color:#F2F2F2;;width:9.083179297597043%"></td> <td style="height:1px;background-color:#F2F2F2;;width:24.88539741219963%"></td> </tr> <tr> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Name of Benefit</b></span></span> </div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Purpose</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Standard/Optional</b></span></div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Fee</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Brief Description of</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Restrictions/Limitations</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Max</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Current</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dollar Cost </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Averaging (General </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">DCA, Account for </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Special DCA, </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account for Special </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Money Market </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">DCA, Fixed-Dollar </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">DCA, and Interest </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Sweep DCA)</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Allows you to gradually </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">allocate amounts to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">available investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">options by periodically </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transferring approximately </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the same dollar amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to the investment options </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you select.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Standard</span> </div> </td> <td colspan="2" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charge</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not generally available </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with Rebalancing.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Some DCA programs are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">restricted to certain </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract classes.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Automatic</span></span><br/><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rebalancing </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(Option 1 allows </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">rebalancing among </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Subaccounts; </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Option 2 allows </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">rebalancing among </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Subaccounts </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and the Guaranteed </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Interest Option)</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Allows you to periodically </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reallocate your Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value among your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment options to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">maintain your desired </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment mix.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Standard</span> </div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charge</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not generally available </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with DCA.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subject to restrictions on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment options.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Automatic </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Systematic </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals, </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Substantially Equal </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals, </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Lifetime Required </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Distribution </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals, and </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dollar for Dollar </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">)</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Allows you to take </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals of a specific </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amount on a monthly, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">quarterly, semi-annual or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annual basis.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Standard</span> </div> </td> <td colspan="2" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charge</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income taxes, including a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10% additional tax before </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">age 59½, may apply to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amounts withdrawn.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Some automatic </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawal programs are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">restricted to certain types </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of Qualified Contracts.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Automatic withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may not be available with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">other optional benefits.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Loans</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Allows you to take a loan </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from your Account Value.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Standard</span> </div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">2.00</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% of the loan </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reserve account</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;vertical-align:top;;">*</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Only available under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rollover 403(b) Contracts </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with employer or plan </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approval</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">automatic RMD service</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subject to minimum and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">maximum restrictions</span> </div> </li> </ul> </div> </td> </tr> </table></div></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">See </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“APPENDIX C – HYPOTHETICAL ILLUSTRATIONS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for examples that illustrate the changes in Account Value, Cash Value, and the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">values of the optional benefits for each Contract class.</span></div> <div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:16.722735674676525%"></td> <td style="height:1px;background-color:#F2F2F2;;width:21.43992606284658%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.78558225508318%"></td> <td style="height:1px;background-color:#F2F2F2;;width:9.083179297597043%"></td> <td style="height:1px;background-color:#F2F2F2;;width:9.083179297597043%"></td> <td style="height:1px;background-color:#F2F2F2;;width:24.88539741219963%"></td> </tr> <tr> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Name of Benefit</b></span></span> </div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Purpose</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Standard/Optional</b></span></div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Fee</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Brief Description of</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Restrictions/Limitations</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Max</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Current</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Standard Death </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guarantees beneficiaries </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will receive a benefit at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">least equal to your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions less </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjusted withdrawals.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Standard</span> </div> </td> <td colspan="2" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No Additional Charge</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit differs based on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Owner’s age on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract Date.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit terminates if the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner received and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">accepted an offer to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate an optional </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">guaranteed death or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A GMDB that provides a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater of (i) total </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions adjusted for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals (including </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">any associated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges); and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(ii) the highest Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value on any Contract </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Date Anniversary up to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Contract Date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Anniversary following the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner’s 85th birthday </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjusted for withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(including any associated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges)(plus </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">any subsequent </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions).</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional</span> </div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.25%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of the benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit base except to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 6.5% </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Roll-up to Age 85 or </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A GMDB that provides a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater of (i) the Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Ratchet to Age 85 death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit (described above); </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and (ii) total contributions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjusted for withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(including any associated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges) plus </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a roll-up amount that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">accrues daily.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.80%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:;;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit base except to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> </div> </li> </ul> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:16.722735674676525%"></td> <td style="height:1px;background-color:#F2F2F2;;width:21.43992606284658%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.78558225508318%"></td> <td style="height:1px;background-color:#F2F2F2;;width:9.083179297597043%"></td> <td style="height:1px;background-color:#F2F2F2;;width:9.083179297597043%"></td> <td style="height:1px;background-color:#F2F2F2;;width:24.88539741219963%"></td> </tr> <tr> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Name of Benefit</b></span></span> </div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Purpose</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Standard/Optional</b></span></div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Fee</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Brief Description of</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Restrictions/Limitations</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Max</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Current </b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 6% </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Roll-up to Age 85 or </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A GMDB that provides a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater of (i) the Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Ratchet to Age 85 death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit (described above); </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and (ii) total contributions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjusted for withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(including any associated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges) plus </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a roll-up amount that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">accrues daily.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.80%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.65%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit bases except to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 3% </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Roll-up to Age 85 or </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A GMDB that provides a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater of (i) the Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Ratchet to Age 85 death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit (described above); </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and (ii) total contributions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjusted for withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(including any associated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges) plus </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a roll-up amount that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">accrues daily.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional</span> </div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.65%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of the benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for QP, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Flexible Premium IRA and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Inherited IRA Contracts.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit base except to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Earnings </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhancement </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Provides and additional </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit equal to a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">percentage of the greater </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of (i) the Account Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">less total net </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions; and (ii) the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applicable death benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">less total net </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional</span> </div> </td> <td colspan="2" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.35%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit differs based on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Owner’s age on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract Date.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Account </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Provides a death benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">equal to your Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional</span> </div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No Additional Charge</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Available only to Owners </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">who received and accepted </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an offer to terminate an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">optional guaranteed death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or income benefit</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If an offer is accepted, all </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">other death benefits </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate, including the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Standard Death Benefit.</span> </div> </li> </ul> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:16.722735674676525%"></td> <td style="height:1px;background-color:#F2F2F2;;width:21.43992606284658%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.78558225508318%"></td> <td style="height:1px;background-color:#F2F2F2;;width:9.083179297597043%"></td> <td style="height:1px;background-color:#F2F2F2;;width:9.083179297597043%"></td> <td style="height:1px;background-color:#F2F2F2;;width:24.88539741219963%"></td> </tr> <tr> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Name of Benefit</b></span></span> </div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Purpose</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Standard/Optional</b></span></div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Fee</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Brief Description of</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Restrictions/Limitations</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Max</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Current</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guaranteed </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Income </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit (“GMIB”) </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with 6.5% Roll-up</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guarantees a minimum </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amount of fixed income </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under a life annuity fixed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payout option or a life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with a period certain </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuity payout option.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1.10%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.80%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate the benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment restrictions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">apply if elected without the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 6.5% Roll-up to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85 or Annual Ratchet </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to Age 85 enhanced death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit base except to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guaranteed </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Income </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit (“GMIB”) </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with 6% Roll-up</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guarantees a minimum </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amount of fixed income </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under a life annuity fixed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payout option or a life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with a period certain </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuity payout option.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.95%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">0.65%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate the benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment restrictions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">apply if elected without the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 6.5, 6%, or 3% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Roll-up to Age 85 or Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Ratchet to Age 85 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">enhanced death benefit.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit base except to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> </div> </li> </ul> </div> </td> </tr> </table></div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:16.722735674676525%"></td> <td style="height:1px;background-color:#F2F2F2;;width:21.43992606284658%"></td> <td style="height:1px;background-color:#F2F2F2;;width:18.78558225508318%"></td> <td style="height:1px;background-color:#F2F2F2;;width:9.083179297597043%"></td> <td style="height:1px;background-color:#F2F2F2;;width:9.083179297597043%"></td> <td style="height:1px;background-color:#F2F2F2;;width:24.88539741219963%"></td> </tr> <tr> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Name of Benefit</b></span></span> </div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Purpose</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Standard/Optional</b></span></div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Fee</b></span></div> </td> <td colspan="1" rowspan="2" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Brief Description of</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Restrictions/Limitations</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Max</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Current</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dollar Cost </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Averaging (General </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">DCA, Account for </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Special DCA, </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account for Special </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Money Market </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">DCA, Fixed-Dollar </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">DCA, and Interest </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Sweep DCA)</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Allows you to gradually </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">allocate amounts to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">available investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">options by periodically </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transferring approximately </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the same dollar amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to the investment options </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you select.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Standard</span> </div> </td> <td colspan="2" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charge</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not generally available </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with Rebalancing.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Some DCA programs are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">restricted to certain </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract classes.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Automatic</span></span><br/><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rebalancing </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(Option 1 allows </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">rebalancing among </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Subaccounts; </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Option 2 allows </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">rebalancing among </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Subaccounts </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and the Guaranteed </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Interest Option)</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Allows you to periodically </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reallocate your Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value among your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment options to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">maintain your desired </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment mix.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Standard</span> </div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charge</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not generally available </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with DCA.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subject to restrictions on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment options.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Automatic </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Systematic </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals, </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Substantially Equal </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals, </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Lifetime Required </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Distribution </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals, and </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dollar for Dollar </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">)</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Allows you to take </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals of a specific </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amount on a monthly, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">quarterly, semi-annual or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annual basis.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Standard</span> </div> </td> <td colspan="2" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charge</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income taxes, including a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10% additional tax before </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">age 59½, may apply to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amounts withdrawn.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Some automatic </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawal programs are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">restricted to certain types </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of Qualified Contracts.</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Automatic withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may not be available with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">other optional benefits.</span> </div> </li> </ul> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Loans</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Allows you to take a loan </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from your Account Value.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Standard</span> </div> </td> <td colspan="2" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">2.00</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">% of the loan </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reserve account</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;vertical-align:top;;">*</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:top"> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Only available under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rollover 403(b) Contracts </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with employer or plan </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approval</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">automatic RMD service</span> </div> </li> </ul> </div> <div style="padding:0;margin:0;width:100%;"> <ul style="font-size:16pt;line-height:10pt;padding-left:20pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';"> <li style="padding:0;margin:0;"> <div style="margin-top:2pt; padding-left:4pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subject to minimum and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">maximum restrictions</span> </div> </li> </ul> </div> </td> </tr> </table></div> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Standard Death </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guarantees beneficiaries </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will receive a benefit at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">least equal to your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions less </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjusted withdrawals.</span> true <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit differs based on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Owner’s age on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract Date.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit terminates if the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner received and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">accepted an offer to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate an optional </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">guaranteed death or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income benefit.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A GMDB that provides a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater of (i) total </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions adjusted for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals (including </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">any associated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges); and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(ii) the highest Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value on any Contract </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Date Anniversary up to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Contract Date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Anniversary following the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner’s 85th birthday </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjusted for withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(including any associated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges)(plus </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">any subsequent </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions).</span> true 0.0025 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit base except to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 6.5% </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Roll-up to Age 85 or </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A GMDB that provides a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater of (i) the Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Ratchet to Age 85 death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit (described above); </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and (ii) total contributions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjusted for withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(including any associated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges) plus </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a roll-up amount that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">accrues daily.</span> true 0.0095 0.008 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit base except to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 6% </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Roll-up to Age 85 or </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A GMDB that provides a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater of (i) the Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Ratchet to Age 85 death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit (described above); </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and (ii) total contributions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjusted for withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(including any associated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges) plus </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a roll-up amount that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">accrues daily.</span> true 0.008 0.0065 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit bases except to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 3% </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Roll-up to Age 85 or </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Ratchet to </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A GMDB that provides a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater of (i) the Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Ratchet to Age 85 death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit (described above); </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and (ii) total contributions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjusted for withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(including any associated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges) plus </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a roll-up amount that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">accrues daily.</span> true 0.0065 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for QP, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Flexible Premium IRA and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Inherited IRA Contracts.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit base except to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Earnings </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Enhancement </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Provides and additional </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit equal to a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">percentage of the greater </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of (i) the Account Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">less total net </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions; and (ii) the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applicable death benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">less total net </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions.</span> true 0.0035 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit differs based on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Owner’s age on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract Date.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate benefit.</span> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Return of Account </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Provides a death benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">equal to your Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value.</span> true <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Available only to Owners </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">who received and accepted </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an offer to terminate an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">optional guaranteed death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or income benefit</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If an offer is accepted, all </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">other death benefits </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate, including the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Standard Death Benefit.</span> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guaranteed </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Income </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit (“GMIB”) </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with 6.5% Roll-up</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guarantees a minimum </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amount of fixed income </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under a life annuity fixed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payout option or a life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with a period certain </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuity payout option.</span> true 0.011 0.008 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate the benefit.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment restrictions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">apply if elected without the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 6.5% Roll-up to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age 85 or Annual Ratchet </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to Age 85 enhanced death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit base except to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guaranteed </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum Income </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit (“GMIB”) </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with 6% Roll-up</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guarantees a minimum </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amount of fixed income </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under a life annuity fixed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payout option or a life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with a period certain </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuity payout option.</span> true 0.0095 0.0065 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available for new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elections</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Age restrictions applied.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals could </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly reduce or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terminate the benefit.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment restrictions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">apply if elected without the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Greater of 6.5, 6%, or 3% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Roll-up to Age 85 or Annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Ratchet to Age 85 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">enhanced death benefit.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credits under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts are excluded </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the calculation of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit base except to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extent the benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reflects increases in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value.</span> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dollar Cost </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Averaging (General </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">DCA, Account for </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Special DCA, </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account for Special </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Money Market </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">DCA, Fixed-Dollar </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">DCA, and Interest </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Sweep DCA)</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Allows you to gradually </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">allocate amounts to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">available investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">options by periodically </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transferring approximately </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the same dollar amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to the investment options </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you select.</span> true <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not generally available </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with Rebalancing.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Some DCA programs are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">restricted to certain </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract classes.</span> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Automatic</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rebalancing </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(Option 1 allows </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">rebalancing among </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Subaccounts; </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Option 2 allows </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">rebalancing among </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Subaccounts </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and the Guaranteed </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Interest Option)</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Allows you to periodically </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reallocate your Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value among your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment options to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">maintain your desired </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment mix.</span> true <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not generally available </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with DCA.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subject to restrictions on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment options.</span> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Automatic </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Systematic </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals, </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Substantially Equal </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals, </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Lifetime Required </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Minimum </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Distribution </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals, and </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dollar for Dollar </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">)</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Allows you to take </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals of a specific </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amount on a monthly, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">quarterly, semi-annual or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annual basis.</span> true <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income taxes, including a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10% additional tax before </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">age 59½, may apply to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amounts withdrawn.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Some automatic </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawal programs are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">restricted to certain types </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of Qualified Contracts.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Automatic withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may not be available with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">other optional benefits.</span> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Loans</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Allows you to take a loan </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from your Account Value.</span> true 0.02 <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Only available under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rollover 403(b) Contracts </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with employer or plan </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approval</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Not available with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">automatic RMD service</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subject to minimum and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">maximum restrictions</span> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Standard Death Benefit.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There is no additional charge for this death benefit. The Standard Death Benefit equals:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your total contributions, adjusted for any withdrawals (and any associated Withdrawal Charges, if applicable under your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract).</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Owners (or older joint Owners, if applicable) ages 76 through 85 on the Contract Date (ages 76 through 80 for Accumulator® </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contracts) the Standard Death Benefit is the only death benefit available and it is equal to your total contributions, adjusted </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for any withdrawals (and any associated Withdrawal Charges, if applicable under your Contract).</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elected one of the enhanced death benefits, the death benefit is equal to the greater of:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your Account Value as of the date we receive satisfactory proof of death, any required instructions for the method of payment, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and information and forms necessary to effect payment; and</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your elected enhanced death benefit on the date of the Owner’s (or older joint Owner’s, if applicable) death, adjusted for any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">subsequent withdrawals (and associated Withdrawal Charges, if applicable under your Contract).</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In contrast, the benefit base of the Standard Death Benefit is equal to your total contributions, adjusted for any withdrawals (and any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">associated Withdrawal Charges, if applicable under your Contract). See “How Withdrawals Affect Your GMIB and GMDB” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“WITHDRAWALS.”</i></span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Annual Ratchet to Age 85 Death Benefit (“Annual Ratchet DB”).</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This enhanced death benefit has an additional charge, which is a percentage of the benefit base. The benefit base is equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amount of the Annual Ratchet DB, calculated as described below. Although the amount of this enhanced death benefit will no longer </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">increase after age 85, we will continue to deduct this charge as long as your enhanced death benefit is in effect. See “Enhanced </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Death Benefit Charges” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“CHARGES AND FEES”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for more information.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Annual Ratchet DB is equal to the greater of:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your total contributions; and</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your highest Account Value on any Contract Date Anniversary up to the Contract Date Anniversary following the Owner’s (or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">older joint Owner’s, if applicable) 85th birthday (plus any contributions made since the most recent Annual Ratchet).</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">At any time after a withdrawal, your Annual Ratchet DB is equal to the greater of:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your enhanced death benefit immediately following the most recent withdrawal (which will reflect the deduction of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawal and by any associated Withdrawal Charges, if applicable under your Contract) plus any additional contributions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">made after the date of such withdrawal; and</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your highest Account Value on any Contract Date Anniversary after the date of the most recent withdrawal, up to the Contract </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Date Anniversary following the Owner’s (or older joint Owner’s, if applicable) 85th birthday (plus any contributions made since </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the most recent Annual Ratchet after the date of such withdrawal).</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your Annual Ratchet DB is no longer eligible to increase after the Contract Date Anniversary following your 85th (or older joint </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner’s, if applicable) birthday. However, any associated enhanced death benefit will remain in effect, and we will continue to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">deduct the charge for the benefit. If the Contract Owner subsequently dies while the Contract is still in effect, we will pay a death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit equal to the greater of the Account Value and the Annual Ratchet DB amount. See “How Withdrawals Affect Your GMIB and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GMDB” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“WITHDRAWALS.”</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Contracts with non-natural Owners, the last Contract Date Anniversary an increase could occur is based on the Annuitant’s age.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Greater of 6.5% (or 6% or 3%) Roll-up to Age 85 or the Annual Ratchet to Age 85 Enhanced Death Benefit.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This enhanced death benefit has an additional charge, which is a percentage of the benefit base. The benefit base is equal to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amount of the Greater of 6.5% (or 6% or 3%) Roll-up to Age 85 or Annual Ratchet to Age 85 Enhanced Death Benefit, calculated as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">described below. Although the amount of this enhanced death benefit will no longer increase after age 85, we will continue to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">deduct this charge as long as your enhanced death benefit is in effect. See “Enhanced Death Benefit Charges” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“CHARGES AND </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>FEES”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for more information.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Greater of 6.5% (or 6% or 3%) Roll-up to Age 85 or the Annual Ratchet to Age 85 Enhanced Death Benefit is equal to the greater </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Annual Ratchet DB described above, and</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The 6.5% (or 6% or 3%) Roll-up to Age 85 Death Benefit (the “GMDB Roll-up Benefit Base”), which is equal to:</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your total contributions; plus</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A daily roll-up at an effective annual rate described below; less</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A deduction that reflects any withdrawals you make (including any applicable Withdrawal Charges).</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The effective annual Roll-up rate for the Roll-up Benefit Base under this enhanced death benefit option is:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6.5% (or 6%) with respect to the Subaccounts (including amounts allocated to the Account for Special Money Market DCA </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under Accumulator® </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> and Accumulator® </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Select</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contracts but excluding all other amounts allocated to the EQ/Money </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Market Subaccount), and the Account for Special DCA (under Accumulator® and Accumulator® </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Elite</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contracts only). We </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">refer to these as the “Higher Roll-up Rate Options;”; and</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3% with respect to the EQ/Money Market Subaccount, the Guaranteed Interest Option, and the loan reserve account under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rollover 403(b) Contracts (if applicable). We refer to these as the “Lower Roll-up Rate Options.” If you elected a guaranteed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit that provides a 6% (or greater) roll-up, an allocation to any investment option that rolls up at 3% will effectively reduce </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the growth rate of your benefit base. For more information, see “Calculating Your Roll-up Benefit Base Following a Transfer” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:27pt;margin-left:0pt;"><i>“TRANSFERS AMONG YOUR INVESTMENT OPTIONS.”</i></span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The effective annual Roll-up rate for the Roll-up Benefit Base under the 3% Roll-up to Age 85 Death Benefit is 3% for all investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">options.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Certain Contracts may have a different effective annual Roll-up rate, based on when you purchased your Contract and the state in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which you purchased your Contract. See “APPENDIX E – STATE CONTRACT AVAILABILITY AND/OR VARIATIONS OF CERTAIN FEATURES </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AND BENEFITS.”</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Greater of 6.5% (or 6% or 3%) Roll-up to Age 85 or the Annual Ratchet to Age 85 enhanced death benefit stops rolling up on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract Date Anniversary following the Owner’s (or older joint Owner’s, if applicable) 85th birthday. For Contracts with non-natural </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owners, the Greater of 6.5% (or 6% or 3%) Roll-up to Age 85 or the Annual Ratchet to Age 85 enhanced death benefit stops rolling up </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on the Contract Date Anniversary following the Annuitant’s 85th birthday. However, even after the Greater of 6.5% (or 6% or 3%) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Roll-up to Age 85 or the Annual Ratchet to Age 85 enhanced death benefit stops rolling up, any associated GMDB will remain in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">effect, and we will continue to deduct the charge for the enhanced death benefit. If the Contract Owner subsequently dies while the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract is still in effect, we will pay a death benefit equal to the greater of the Account Value and the Greater of 6.5% (or 6%) Roll-up </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to Age 85 or the Annual Ratchet to Age 85 enhanced death benefit amount.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Please see “Calculating Your Roll-up Benefit Amount Following a Transfer” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“TRANSFERS AMONG YOUR INVESTMENT OPTIONS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">more information about how we calculate the roll-up when you transfer Account Values between investment options with a higher </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Roll-up rate and investment options with a lower Roll-up rate. See also “How Withdrawals Affect Your GMIB and GMDB” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“WITHDRAWALS.”</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:14.436pt;;"><b>Earnings Enhancement Benefit (“EEB”)</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subject to state and Contract availability (see </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“APPENDIX E – STATE CONTRACT AVAILABILITY AND/OR VARIATIONS OF CERTAIN </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>FEATURES AND BENEFITS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for state availability of these benefits), you may have elected the EEB at the time you purchased your EFLIC </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract, if the Owner was age 75 or younger. The current charge for this benefit is 0.35% of your Account Value. The EEB provides an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">additional death benefit as described below. See </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“FEDERAL TAX CONSIDERATIONS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for the potential tax consequences of the EEB in a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Nonqualified, IRA or Rollover 403(b) Contract. You may not voluntarily terminate the EEB.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elected the EEB and change ownership of the Contract, generally this benefit automatically terminates, except under certain </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">circumstances. See “Transfers of Ownership and Collateral Assignments” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“OTHER INFORMATION”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for more information. This </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit will also terminate if your Contract terminates for any reason. See “Termination of Your Contract” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“THE ANNUITY </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>CONTRACT.”</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Owner (or older joint Owner, if applicable) is 70 or younger on the Contract Date (or if the spouse beneficiary or younger </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">spouse joint Owner is 70 or younger when he or she becomes the successor Owner and the EEB had been elected), the additional </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit will be 40% of:</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The greater of:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Account Value; or</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Any applicable death benefit;</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Decreased by:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Total net contributions.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For purposes of calculating your EEB, “total net contributions” are the total contributions made (or if applicable, the total amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that would otherwise have been paid as a death benefit had the spouse beneficiary or younger spouse joint Owner not continued </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Contract plus any additional contributions) adjusted for each withdrawal that exceeds your EEB earnings.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">EEB earnings are equal to:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The greater of the Account Value and the death benefit (i.e., the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:27pt;margin-left:0pt;"><i>greater</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> of the Account Value as of the date we receive </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">satisfactory proof of death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:27pt;margin-left:0pt;"><i>or</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> any applicable GMDB as of the date of death) immediately prior to the withdrawal; minus</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The net contributions as adjusted by any prior withdrawals (for Accumulator® </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contracts, Credit amounts are not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">included in “net contributions”)</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contracts, for purposes of calculating your EEB, if any contributions are made in the one-year period prior </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to death of the Owner (or older joint Owner, if applicable), the Account Value will not include any Credits applied in the one-year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">period prior to death.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Owner (or older joint Owner, if applicable) is age 71 through 75 on the Contract Date (or if the spouse beneficiary or younger </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">spouse joint Owner is between the ages of 71 and 75 when he or she becomes the successor Owner and the EEB had been elected), </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the additional death benefit will be 25% of:</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The greater of:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Account Value; or</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Any applicable death benefit;</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Decreased by:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Total net contributions.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The value of the EEB is frozen on the first Contract Date Anniversary after the Owner (or older joint Owner, if applicable) turns age </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">80, except that the benefit will be reduced for withdrawals on a pro rata basis. Reduction on a pro rata basis means that we calculate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the percentage of the current Account Value that is being withdrawn and we reduce the benefit by that percentage. For example, if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Account Value is $30,000 and you withdraw $12,000, you have withdrawn 40% of your Account Value. If the benefit is $40,000 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before the withdrawal, it would be reduced by $16,000 ($40,000 x.40) and the benefit after the withdrawal would be $24,000 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">($40,000 – $16,000).</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For an example of how the EEB is calculated, please see </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“APPENDIX D - EARNINGS ENHANCEMENT BENEFIT EXAMPLE.”</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Although the value of your EEB will no longer increase after age 80, we will continue to deduct the charge for this benefit as long as it </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">remains in effect.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Contracts continued under spousal continuation upon the death of the spouse (or older spouse, in the case of jointly owned </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts), the Account Value will be increased by the value of the EEB as of the date we receive due proof of death. The benefit will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">then be based on the age of the surviving spouse as of the date of the deceased spouse’s death for the remainder of the Contract. If </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the surviving spouse is age 76 or older, the benefit will terminate and the charge will no longer be in effect. The spouse may also take </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the death benefit (increased by the EEB) in a lump sum. See “Spousal Continuation” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“DEATH BENEFITS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for more information.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:14.436pt;;"><b>Return of Account Value Death Benefit</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you received and accepted an offer to terminate a guaranteed benefit, you no longer have the Standard Death Benefit or one of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the enhanced death benefits available for an additional charge. Your previous death benefit has been replaced with the Return of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value death benefit. There is no additional charge for this death benefit. See “Guaranteed Benefit Offers” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“OPTIONAL </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>LIVING BENEFITS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for more information.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Return of Account Value death benefit generally equals your Account Value as of the date we receive satisfactory proof of death, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">any required instructions for the method of payment, and information and forms necessary to effect payment.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:14.436pt;;"><b>Guaranteed Minimum Income Benefit (“GMIB”)</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The GMIB was only available for election at issuance of the EFLIC Contract if the Owner was age 20 through 75 at the time the EFLIC </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract was issued. If the Contract is jointly owned, the GMIB will be calculated on the basis of the older Owner’s age. There is an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">additional charge for the GMIB, which is a percentage of the benefit base and described under “GMIB Charge” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“CHARGES AND </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>FEES.”</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subject to state availability (see APPENDIX E – </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>STATE CONTRACT AVAILABILITY AND/OR VARIATIONS OF CERTAIN FEATURES AND </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>BENEFITS</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> ), you may have elected one of the following:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The GMIB that includes the 6.5% Roll-up Benefit Base. The current charge for this benefit is 0.80% of the benefit base; or</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The GMIB that includes the 6% Roll-up Benefit Base. The current charge for this benefit is 0.65% of the benefit base.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The current charges shown above are described under “GMIB Charge” in “CHARGES AND FEES.” Once you purchase the GMIB, you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may not voluntarily terminate this benefit. Both options include the ability to reset your GMIB benefit base on each Contract Date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Anniversary until the Contract Date Anniversary following age 75. See ‘‘Roll-up Benefit Base Reset’’.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elected the GMIB with the Greater of 6.5% (or 6%) Roll-up to Age 85 or the Annual Ratchet to Age 85 enhanced death benefit, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you chose between one of the following two combinations:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Greater of 6.5% Roll-up to Age 85 or the Annual Ratchet to Age 85 enhanced death benefit with the GMIB that includes </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the 6.5% Roll-up Benefit Base, or</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Greater of 6% Roll-up to Age 85 or the Annual Ratchet to Age 85 enhanced death benefit with the GMIB that includes the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6% Roll-up Benefit Base.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>GMIB Benefit Base.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The GMIB benefit base is used to calculate the GMIB. The GMIB benefit base will be calculated as described </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">below in this section whether the GMIB is elected individually or in combination with an optional enhanced death benefit. Your GMIB </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> not an Account Value or a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Cash Value</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your GMIB benefit base is equal to the greater of:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The benefit base computed for the Annual Ratchet DB. This benefit base is calculated as described in “Annual Ratchet to Age </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">85 Death Benefit (“Annual Ratchet DB”)” in “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:27pt;margin-left:0pt;"><i>DEATH BENEFITS</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">,” and</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The benefit base computed for the GMIB Roll-up Benefit Base. This benefit base is calculated as described in “Greater of 6.5% </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(or 6% or 3%) Roll-up to Age 85 or the Annual Ratchet to Age 85 Enhanced Death Benefit” in “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:27pt;margin-left:0pt;"><i>DEATH BENEFITS</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">.”</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The GMIB benefit base is calculated separately from the Annual Ratchet DB and the Greater of 6.5% (6%) Roll-up to Age 85 or the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annual Ratchet to Age 85 Enhanced Death Benefit. The GMIB benefit base calculation is mathematically identical to the death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit calculations referenced above but the calculation is independent of any death benefit election and calculation. If the GMIB is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">exercised, the GMIB benefit base is reduced by any applicable Withdrawal Charge.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>The GMIB Roll-up Benefit Base May Also Be Eligible for Resets.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Once you have reset your Roll-up Benefit Base, a new waiting period </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to exercise the GMIB will apply from the date of the reset. You may not exercise the GMIB until the tenth Contract Date Anniversary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">following the reset or, if later, the earliest date you would have been permitted to exercise without regard to the reset but not later </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">than the Contract Date Anniversary following age 85. Also note that in almost all cases, resetting your Roll-up Benefit Base will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">lengthen the exercise waiting period. See “Exercise Rules” below for more information about the new waiting period. See “Roll-up </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefit Base Reset” in “</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>DEATH BENEFITS</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“ for more information.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elected both the GMIB and the Greater of the 6.5% (or 6%) Roll-up to Age 85 or the Annual Ratchet to Age 85 enhanced death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit, the Roll-up rate you elected must be the same for both features. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>If you elected the GMIB </b></span><span style="text-decoration:underline;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b><span style="text-decoration:underline;0.5 #000000 solid descender 0 -1 0">without</span></b></span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> the Greater of the 6.5% </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(or 6%) Roll-up to Age 85 or the Annual Ratchet to Age 85 enhanced death benefit, your investment options are limited to the </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Guaranteed Interest Option, the Account for Special DCA (for Accumulator® and Accumulator® Elite</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> contracts) or the Account </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>for Special Money Market DCA (for Accumulator® Plus</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> and Accumulator® Select</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>SM</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> contracts) and the permitted investment </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>options (see “</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b><i>APPENDIX A – FUNDS AVAILABLE UNDER THE CONTRACT</i></b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>”).</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you are using the Contract to fund a charitable remainder trust (for Accumulator® and Accumulator® Elite</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contracts only), you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will have to take certain distribution amounts. You should consider split-funding so that those distributions do not adversely impact </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your GMIB. See “Owner and Annuitant Requirements” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“THE ANNUITY CONTRACT.”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> For IRA, Qualified and Rollover 403(b) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contracts, Owners over age 60 at Contract issue should consider the impact of the minimum distributions required by tax law in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">relation to the withdrawal limitations under the GMIB. See “How Withdrawals Affect Your GMIB and GMDB” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“WITHDRAWALS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">more information.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elected the GMIB option and change ownership of the Contract, this benefit automatically terminates, except under certain </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">circumstances. See “Transfers of Ownership and Collateral Assignments” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“OTHER INFORMATION”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for more information. This </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit provides a minimum guarantee that may never come into effect.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The GMIB guarantees you a minimum amount of fixed income under your choice of a life annuity fixed annuity payout option or a life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with a period certain annuity payout option. You choose which of these annuity payout options you want and whether you want the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">option to be paid on a single or joint life basis at the time you exercise your GMIB. The maximum period certain available under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">life with a period certain annuity payout option is 10 years. This period may be shorter, depending on the Owner’s age (or younger </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">joint Owner’s age), as follows:</span></div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:50%"></td> <td style="height:1px;background-color:#F2F2F2;;width:50%"></td> </tr> <tr> <td colspan="2" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Level Payments</b></span></span> </div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Owner’s</b></span></span><br/><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>age at exercise</b></span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Period certain years</b></span></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">80 and younger</span></span> </div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">81</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">9</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">82</span></span> </div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">8</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">83</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">7</span></div> </td> </tr> <tr> <td colspan="1" style="border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">84</span></span> </div> </td> <td colspan="1" style="border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">85</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">5</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We may also make other forms of annuity payout options available. For a description of annuity payout options, see “Fixed Annuity </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payout Options” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“ANNUITY OPTIONS.”</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">When you exercise the GMIB, the annual lifetime income that you will receive under a fixed annuity payout option will be the greater </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your GMIB which is calculated by applying your GMIB base, less any applicable Withdrawal Charge remaining (if applicable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under your Contract), to GMIB guaranteed annuity purchase factors; or</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The amount of income provided by applying your Account Value to our then current annuity purchase factors or base Contract </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">guaranteed annuity purchase factors.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Rollover 403(b) Contracts only, we will subtract from the GMIB benefit base or Account Value any outstanding loan, including </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">interest accrued but not paid. You may also elect to receive monthly or quarterly payments as an alternative.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elect monthly or quarterly payments, the aggregate payments you receive in a Contract Year will be less than what you would </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">have received if you had elected an annual payment, as monthly and quarterly payments reflect the time value of money with regard </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to both interest and mortality. The benefit base is applied only to the guaranteed annuity purchase factors under the GMIB in your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract and not to any other guaranteed or current annuity purchase rates. Your Account Value is never applied to the guaranteed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuity purchase factors under GMIB. The amount of income you actually receive will be determined when we receive your request </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to exercise the benefit.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">When you elect to receive annual lifetime income, your Contract’s other benefits (including its death benefit and any account or Cash </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Values) will terminate and you will receive a supplemental contract for the annuity payout option you elect. For a discussion of when </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your payments will begin and end, see “Exercise of GMIB” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“OPTIONAL LIVING BENEFITS.”</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Before you elect the GMIB, you should consider the fact that the GMIB provides a form of insurance and is based on conservative </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">actuarial factors. For certain Contracts, the guaranteed annuity purchase factors we use to determine your annuity payout benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under the GMIB are more conservative than the guaranteed annuity purchase factors we use for our standard annuity payout </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">options. This means that, assuming the same amount is applied to purchase the benefit and that we use guaranteed annuity </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">purchase factors to compute the benefit, each periodic payment under the GMIB payout annuity will be smaller than each periodic </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payment under our standard annuity payout options. Therefore, even if your Account Value is less than your benefit base, you may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">generate more income by applying your Account Value to current annuity purchase factors. We will make this comparison for you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">upon request.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>GMIB Annuity Purchase Factors.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Annuity purchase factors are the factors applied to determine your periodic payments under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GMIB and base Contract annuity payout options. GMIB annuity purchase factors are based on the Owner’s (and any younger joint </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner’s) age, frequency of payment, are the same regardless of gender, and are generally more conservative than the base Contract </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuity purchase factors. Base Contract annuity payout options are discussed under “Fixed Annuity Payout Options” in “ANNUITY </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">OPTIONS” in this Prospectus. Base Contract annuity purchase factors are based on interest rates, mortality tables, frequency of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payments, the form of annuity benefit, and the Owner’s (and any joint Owner’s) age and sex in certain instances. We may provide </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">more favorable current annuity purchase factors for the annuity payout options than those specified in your Contract.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>GMIB “No Lapse Guarantee.”</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> In general, if your Account Value falls to zero, the GMIB will be exercised automatically, based on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner’s (or older joint Owner’s, if applicable) current age and benefit base, as follows:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You will be issued a supplemental contract based on a single life with a maximum 10 year period certain. Unless another </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">frequency has been selected, payments will be made annually starting one year from the exercise date. Upon exercise, your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract’s other benefits (including the GMDB, any other guaranteed benefits and any account or Cash Values) will terminate; </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You will have 30 days from when we notify you to change the annuity payout option and/or the payment frequency.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The no lapse guarantee will terminate on the Contract Date Anniversary following the Owner (or older joint Owner, if applicable) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reaching age 85.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Illustrations of the GMIB.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Assuming the 6% GMIB Roll-up Benefit Base, the table below illustrates the GMIB amounts per $100,000 of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">initial contribution, for a male Owner age 60 (on the Contract Date) on the Contract Date Anniversaries indicated, who has elected </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the life annuity fixed payout option, using the guaranteed annuity purchase factors as of the date of this Prospectus, assuming no </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">additional contributions, withdrawals, or loans under Rollover 403(b) Contracts, and assuming there were no allocations to the EQ </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">/Money Market, the Guaranteed Interest Option, or the loan reserve account under Rollover 403(b) Contracts.</span></div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:33.36044362292052%"></td> <td style="height:1px;background-color:#F2F2F2;;width:33.26802218114602%"></td> <td style="height:1px;background-color:#F2F2F2;;width:33.36968576709797%"></td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Contract Date Anniversary at exercise</b></span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>GMIB Benefit Base</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>GMIB — annual income payable for life</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$179,085</span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$10,065</span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$239,656</span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$15,266</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Exercise of the GMIB.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> On each Contract Date Anniversary that you are eligible to exercise the GMIB, we will send you an eligibility </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">notice. The notice will illustrate how much income could be provided as of the Contract Date Anniversary. You must notify us within </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">30 days following the Contract Date Anniversary if you want to exercise the GMIB.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:5pt;margin-left:0pt;"><i>We deduct guaranteed benefit and Annual Administrative Charges from your Account Value on your Contract Date Anniversary, </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:5pt;margin-left:0pt;"><i>and you can only exercise the GMIB, if eligible, during the 30 day period following your Contract Date Anniversary. Therefore, if </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:5pt;margin-left:0pt;"><i>your Account Value is not sufficient to pay fees on your next Contract Date Anniversary, your Contract will terminate and you will </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:5pt;margin-left:0pt;"><i>not have an opportunity to exercise your GMIB unless the no lapse guarantee provision under your Contract is still in effect. See </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:5pt;margin-left:0pt;"><i>“Effect of Your Account Value Falling to Zero” in “THE ANNUITY CONTRACT” section of this Prospectus for more information.</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You must provide your exercise request to us, along with all required information, within 30 days following your Contract Date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Anniversary in order to exercise this benefit. Upon exercising the GMIB, any GMDB you elected will terminate without value. Upon </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">exercise of the GMIB, the Owner (or older joint Owner, if applicable) will become the Annuitant, and the Contract will be annuitized </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on the basis of the Owner’s life. Unless another frequency has been selected, you will begin receiving annual payments one year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">after the supplemental annuity payout contract is issued. If you choose monthly or quarterly payments, you will receive your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payment one month or one quarter after the supplemental annuity payout contract is issued. You may choose to take a withdrawal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">prior to exercising the GMIB, which will reduce your payments. You may not partially exercise this benefit. Payments end with the last </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payment before the Annuitant’s (or joint Annuitant’s, if applicable) death or, if later, the end of the period certain (where the annuity </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payout option chosen includes a period certain).</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Exercise Rules.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The latest date you may exercise the GMIB is the 30th day following the Contract Date Anniversary following your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">85th birthday. Eligibility to exercise the GMIB is subject to a “waiting period” which is based on the Owner’s (or older joint Owner’s, if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applicable) age. The initial waiting period is as follows:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you were at least age 20 and no older than age 44 on the Contract Date, the initial waiting period is 15 years, and you are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">eligible to exercise the GMIB within 30 days following each Contract Date Anniversary beginning with the 15th Contract Date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Anniversary;</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you were at least age 45 and no older than age 49 on the Contract Date, the initial waiting period runs until you reach age </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">60, and you are eligible to exercise the GMIB within 30 days following each Contract Date Anniversary after age 60; and</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you were at least age 50 and no older than age 75 on the Contract Date, the initial waiting period is 10 years, and you are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">eligible to exercise the GMIB within 30 days following each Contract Date Anniversary beginning with the 10th Contract Date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Anniversary.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you choose to reset your Roll-up Benefit Base (as described in “Roll-up Benefit Base Reset” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“DEATH BENEFITS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">), a new waiting </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">period to exercise the GMIB will apply from the date of the reset. You will not be eligible to exercise the GMIB until the later of (i) the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">tenth Contract Date Anniversary following the reset, or (ii) the earliest date you would have been permitted to exercise without </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">regard to the reset (as set forth in the bullet list above). However, if your 85th birthday occurs before the new waiting period has </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">ended, you will be eligible to exercise the GMIB on the Contract Date Anniversary following your 85th birthday. You should note that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in almost all cases, resetting your Roll-up Benefit Base will lengthen the waiting period.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">To exercise the GMIB:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We must receive your notification in writing within 30 days following any Contract Date Anniversary on which you are eligible; </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your Account Value must be greater than zero on the exercise date. See “Effect of Your Account Value Falling to Zero” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:27pt;margin-left:0pt;"><i>“THE </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:27pt;margin-left:0pt;"><i>ANNUITY CONTRACT”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> section of this Prospectus for more information about the impact of insufficient Account Value on your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">ability to exercise the GMIB.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Please note:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you were age 75 on the Contract Date or the Roll-up Benefit Base was reset, the only time you may exercise the GMIB is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">within 30 days following the Contract Date Anniversary following your attainment of age 85;</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Qualified Contracts, unless the GMIB is automatically exercised because of the no lapse guarantee, with plan trustee </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approval the plan participant may exercise the GMIB only within 30 days following the Gontract Date Anniversary. GMIB </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payments will generally be made to the plan trustee;</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Because no partial exercise is permitted, owners of defined benefit Qualified Contracts who plan to change ownership of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract to the participant must first compare the participant’s lump sum benefit amount and annuity benefit amount to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GMIB amount and Account Value, and make a withdrawal from the Contract if necessary. See “How Withdrawals Affect Your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GMIB and GMDB” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:27pt;margin-left:0pt;"><i>“WITHDRAWALS.”</i></span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Rollover 403(b) Contracts, unless the GMIB is automatically exercised because of the no lapse guarantee, if you are eligible </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for a distribution from the 403(b) plan you may exercise the GMIB only within 30 days following the Contract Date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Anniversary;</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you reset the Roll-up Benefit Base (as described earlier), your new exercise date will be the tenth Contract Date Anniversary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">following the reset or, if later, the earliest date you would have been permitted to exercise without regard to the reset, but in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">no event will it be later than the Contract Date Anniversary following age 85. Please note that in almost all cases, resetting </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your Roll-up Benefit Base will lengthen the waiting period;</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A spouse beneficiary or younger spouse joint Owner under spousal continuation may only continue the GMIB if the Contract is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not past the last date on which the original Owner could have exercised the benefit. In addition, the spouse beneficiary or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">younger spouse joint Owner must be eligible to continue the benefit and to exercise the benefit under the applicable exercise </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">rule (described in the above bullets) using the following additional rules. The spouse beneficiary or younger spouse joint </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner’s age on the date of the Owner’s death replaces the Owner’s age on the Contract Date for purposes of determining the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">availability of the benefit and which of the exercise rules applies. For example, if an Owner was age 70 on the Contract Date, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and he dies at age 84, and the spouse beneficiary is 86 on the date of his death, she will not be able to exercise the GMIB, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">even though she was 72 on the Contract Date, because eligibility is measured using her age at the time of the owner’s death, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not her age on the Contract Date. The original Contract Date will continue to apply for purposes of the exercise rules;</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Contract is jointly owned and not an IRA Contract, you can elect to have the GMIB paid either as a joint life benefit, or as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a single life benefit, paid on the basis of the older Owner’s age;</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Contract is an IRA Contract, you can elect to have the GMIB paid either as a joint life benefit, but only if the joint </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuitant is your spouse, or as a single life benefit, paid on the basis of the Annuitant’s age; and</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Contract is owned by a trust or other non-natural person, eligibility to elect or exercise the GMIB is based on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuitant’s age (or older joint Annuitant’s age, if applicable), rather than the Owner’s.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">See “Effect of the Owner’s Death” under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“DEATH BENEFITS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for more information.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If your Account Value is insufficient to pay applicable charges when due, your Contract may terminate, which could cause you to lose </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your GMIB. For more information, please see ‘‘Effect of Your Account Value Falling to Zero” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“THE ANNUITY CONTRACT”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> and the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">section entitled </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>‘‘CHARGES AND FEES’’</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for more information.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For information about the impact of withdrawals on the GMIB and any other guaranteed benefits you may have elected, please see </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">‘‘How Withdrawals Affect Your GMIB and GMDB” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“WITHDRAWALS.”</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Terminating the GMIB After Issue.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Except for certain ownership changes, the GMIB may not be terminated after issuance of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">EFLIC Contract. See </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“THE ANNUITY CONTRACT” —</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> “Change of Contract Owner”.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:14.436pt;;"><b>Dollar Cost Averaging (“DCA”)</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We offer a variety of DCA programs. You may only participate in one program at a time. Each program allows you to gradually allocate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amounts to available investment options by periodically transferring approximately the same dollar amount to the investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">options you select. Regular allocations to the Subaccounts will cause you to purchase more Units if the Unit value is low and fewer </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Units if the Unit value is high. Therefore, you may get a lower average cost per Unit over the long term. These plans of investing, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">however, do not guarantee that you will earn a profit or be protected against losses. You may not make transfers to the Guaranteed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Interest Option through a DCA program.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may not participate in any DCA program if you are participating in the Option II Rebalancing Program. Under the Option I </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Rebalancing Program, you may participate in any of the DCA programs except General DCA and, for Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Select</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contract Owners, the Special Money Market DCA Program for additional contributions. You may only </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">participate in one DCA program at a time. Also, for information on how the DCA program you select may affect certain guaranteed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefits, see “Calculating your Roll-up Benefit Base Following a Transfer” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“TRANSFERS AMONG YOUR INVESTMENT OPTIONS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“Death Benefit Options” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“DEATH BENEFITS.”</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We do not deduct a transfer charge for any transfer made in connection with our DCA programs. Not all DCA programs are available </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in all states. See </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“APPENDIX E - STATE CONTRACT AVAILABILITY AND/OR VARIATIONS OF CERTAIN FEATURES AND BENEFITS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for more </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">information on state availability.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For information about DCA programs available for new contributions, see “Allocating Contributions Among the Available Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Options” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“THE ANNUITY CONTRACT.”</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>General DCA Program.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> If your value in the Subaccount that invests in the EQ/Money Market Fund is at least $5,000, you may choose, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">at any time, to have a specified dollar amount or percentage of your value transferred from that option to any of the other available </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subaccounts. Please see </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“APPENDIX E - STATE CONTRACT AVAILABILITY AND/OR VARIATIONS OF CERTAIN FEATURES AND BENEFITS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for more information on state availability or certain restrictions in your state.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You can select to have transfers made on a monthly, quarterly or annual basis. The transfer date will be the same calendar day of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">month as the Contract Date, but not later than the 28</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^th</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> day of the month. You can also specify the number of transfers or instruct us </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to continue making the transfers until all amounts in the Subaccount that invests in the EQ/Money Market Fund have been </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transferred out. The minimum amount that we will transfer each time is $250.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If, on any transfer date, your value in the Subaccount that invests in the EQ/Money Market Fund is equal to or less than the amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you have elected to have transferred, the entire amount will be transferred. The General DCA Program will then end. You may change </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the transfer amount once each Contract Year or cancel this program at any time.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We may, at any time, exercise our right to terminate transfers to any of the Subaccounts and to limit the number of Subaccounts </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which you may elect.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elected the GMIB without the Greater of 6.5% (or 6%) Roll-up to Age 85 or the Annual Ratchet to Age 85 enhanced death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit, the General DCA Program is not available.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Account for Special DCA.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The Account for Special DCA is only available to Accumulator® and Accumulator® Elite</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contract Owners. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Under this program, you may choose to allocate all or a portion of any eligible contribution to the Account for Special DCA. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contributions into the Account for Special DCA may not be transfers from other investment options. Your initial allocation to any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account for Special DCA time period must be at least $2,000 and any additional contribution to that same time period must be at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">least $250. You may only have one time period in effect at any time and once you select a time period, you may not change it. In </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Pennsylvania, we refer to this program as “enhanced rate dollar cost averaging.”</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may have your value in the Account for Special DCA transferred to any of the Subaccounts available under your Contract. We will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transfer amounts from the Account for Special DCA into the Subaccounts over an available time period that you select. We offer time </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">periods of 3, 6 or 12 months, during which you will receive an enhanced interest rate. We may also offer other time periods. Your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">financial professional can provide information on the time periods and interest rates currently available in your state, or you may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contact us. Contribution(s) made to an Account for Special DCA will be credited with the then current interest rate on the date the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contribution is received by the Company for the time period initially selected by you. Once the time period you selected has run, you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may then select another time period for future contributions. At that time, you may also select a different allocation for transfers to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Subaccounts, or, if you wish, we will continue to use the selection that you have previously made. Currently, your value in the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account for Special DCA will be transferred from the Account for Special DCA into the Subaccounts on a monthly basis. We may offer </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">this program in the future with transfers on a different basis.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will transfer all amounts out of the Account for Special DCA by the end of the chosen time period. The transfer date will be the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">same day of the month as the Contract Date, but not later than the 28</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^th</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> day of the month. The first transfer date and each </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">subsequent transfer date for the time period selected will be one month from the date the first contribution is made into the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account for Special DCA, but not later than the 28</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^th</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> day of the month. If the transfer date is later than the 28</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^th</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> day of the month, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">then the transfer date will be the 28</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^th</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> day of the month.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you choose to allocate only a portion of an eligible contribution to the Account for Special DCA, the remaining balance of that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contribution will be allocated to the Subaccounts and/or Guaranteed Interest Option according to your instructions.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The only transfers that will be made from the Account for Special DCA are your regularly scheduled transfers to the Subaccounts. No </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amounts may be transferred from the Account for Special DCA to the Guaranteed Interest Option. If you request to transfer or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdraw any other amounts from the Account for Special DCA, we will transfer all of the value that you have remaining in the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account for Special DCA to the investment options according to the allocation percentages for special dollar cost averaging we have </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on file for you. You may ask us to cancel your participation at any time. We may, at any time, exercise our right to terminate transfers </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to any of the Subaccounts and to limit the number of Subaccounts which you may elect.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b><i>The Account for Special Money Market DCA Program.</i></b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The Account for Special Money Market DCA program is only available to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> and Accumulator® Select</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contract Owners. You may dollar cost average from the Account for Special Money </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Market DCA option (which is part of the EQ/Money Market investment option) into any of the other Subaccounts. Please see </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“APPENDIX A – FUNDS AVAILABLE UNDER THE CONTRACT.”</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may elect to participate in a 3, 6 or 12 month program at any time subject to the age limitation on contributions described in this </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Prospectus.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contributions into the Account for Special Money Market DCA must be new contributions. In other words, you may not make </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transfers from amounts allocated in other Subaccounts to initiate the program. You must allocate your entire initial contribution into </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Account for Special Money Market DCA if you are selecting the program at the time you apply for your Contract. Thereafter, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions to any new program must be at least $2,000. Contributions to an existing program must be at least $250. You may only </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">have one program in effect at any time.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each month, we will transfer your amounts in the Account for Special Money Market DCA into the other Subaccounts you select. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Once the time period you selected has expired, you may then select to participate in the Special Money Market DCA program for an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">additional time period. At that time, you may also select a different allocation for monthly transfers from the Account for Special </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Money Market DCA to the Subaccounts, or, if you wish, we will continue to use the selection that you have previously made.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Currently, the monthly transfer date from the Account for Special Money Market DCA option will be the same as your Contract Date, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">but not later than the 28</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^th</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> day of the month. For a program selected after application, the first transfer date and each subsequent </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transfer date will be one month from the date the first contribution is made into the program, but not later than the 28</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^th</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> day of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">month. All amounts will be transferred out by the end of the time period in effect.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The only amounts that should be transferred from the Account for Special Money Market DCA option are your regularly scheduled </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transfers to the Subaccounts. If you request to transfer or withdraw any other amounts from the Account for Special Money Market </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">DCA, we will transfer all of the value you have remaining in the Account to the Subaccounts according to the allocation percentages </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">we have on file for you. You may cancel your participation in the program at any time by notifying us in writing. We may, at any time, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">exercise our right to terminate transfers to any of the Subaccounts and to limit the number of Subaccounts which you may elect.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Fixed-Dollar DCA Program.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Under this program you may elect to have a fixed-dollar amount transferred out of the Guaranteed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Interest Option and into the Subaccounts of your choice. Transfers may be made on a monthly, quarterly or annual basis. You can </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">specify the number of transfers or instruct us to continue to make transfers until all available amounts in the Guaranteed Interest </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Option have been transferred out.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In order to elect the Fixed-Dollar DCA program, you must have a minimum of $5,000 in the Guaranteed Interest Option on the date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">we receive your election form. The transfer date will be the same calendar day of the month as the Contract Date but not later than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the 28</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^th</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> day of the month. The minimum transfer amount is $50. Unlike the Account for Special DCA that is available for additional </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contributions (available in Accumulator® and Accumulator® Elite</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contracts only), the Fixed-Dollar DCA program does not offer </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">enhanced rates. Also, this program is subject to the Guaranteed Interest Option transfer limitations described above. While the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">program is running, any transfer that exceeds those limitations will cause the program to end for that Contract Year. You will be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">notified. You must send in a request form to resume the program in the next or subsequent Contract Years.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If, on any transfer date, your value in the Guaranteed Interest Option is equal to or less than the amount you have elected to have </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transferred, the entire amount will be transferred, and the program will end. You may change the transfer amount once each </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract Year or cancel this program at any time. We may, at any time, exercise our right to terminate transfers to any of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subaccounts and to limit the number of Subaccounts which you may elect.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Interest Sweep DCA Program.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Under this program, you may elect to have monthly transfers from amounts in the Guaranteed Interest </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Option into the Subaccounts of your choice. The transfer date will be the last Business Day of the month. The amount we will transfer </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will be the interest credited to amounts you have in the Guaranteed Interest Option from the last Business Day of the prior month to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the last Business Day of the current month. You must have at least $7,500 in the Guaranteed Interest Option on the date we receive </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your election. We will automatically cancel the Interest Sweep DCA program if the amount in the Guaranteed Interest Option is less </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">than $7,500 on the last day of the month for two months in a row. For the Interest Sweep DCA program, the first monthly transfer </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will occur on the last Business Day of the month following the month that we receive your election form. We may, at any time, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">exercise our right to terminate transfers to any of the Subaccounts and to limit the number of Subaccounts which you may elect.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:14.436pt;;"><b>Automatic Rebalancing</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We currently offer two automatic rebalancing programs that you can use to reallocate your Account Value among your investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">options. Under Option I you can rebalance your Account Value among the Subaccounts. Under Option II you can rebalance among </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Subaccounts and the Guaranteed Interest Option.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">To enroll in one of our automatic rebalancing programs, you must notify us in writing or through the Venerable client portal and tell </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">us:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The percentage you want invested in each investment option (whole percentages only), and</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">How often you want the rebalancing to occur (quarterly, semiannually, or annually on a Contract Year basis).</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Unless requested otherwise, automatic rebalancing will occur on the same day of the month as the Contract Date. If a Contract is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">established after the 28</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^th</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, automatic rebalancing will occur on the first Business Day of the month following the Contract Date. If you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elect quarterly automatic rebalancing, the rebalancing in the last quarter of the Contract Year will occur on the Contract Date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Anniversary.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may elect or terminate the automatic rebalancing program at any time. You may also change your allocations under the program </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">at any time. Once enrolled in the automatic rebalancing program, it will remain in effect until you instruct us to terminate the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">program. Additionally, the automatic rebalancing program will terminate if you request an investment option transfer separate from </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">those made through the automatic rebalancing program. Changes to your allocation instructions for the rebalancing program (or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">termination of your enrollment in the program) must be in writing and sent to us. Termination requests can be made online through </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Venerable client portal. See “How to reach us” in “The Company.” There is no charge for the rebalancing feature.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b><i>Automatic Rebalancing does not assure a profit or protect against loss. You should periodically review your allocation </i></b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b><i>percentages as your needs change. You may want to discuss the automatic rebalancing program with your financial </i></b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b><i>professional before electing to participate in the program.</i></b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">While your rebalancing program is in effect, we will transfer amounts among the investment options so that the percentage of your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value that you specify is invested in each option at the end of each rebalancing date. At any time, however, we may exercise </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">our right to terminate transfers to any of the Subaccounts and to limit the number of Subaccounts which you may elect.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you select Option II, you will be subject to our rules regarding transfers from the Guaranteed Interest Option to the Subaccounts. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">These rules are described above. Under Option II, a transfer into or out of the Guaranteed Interest Option to initiate the rebalancing </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">program will not be permitted if such transfer would violate these rules. If this occurs, the rebalancing program will not go into effect.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may not elect Option I if you are participating in the General DCA program, or for Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> and Accumulator® </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Select</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contracts, the Special Money Market DCA Program. You may not elect Option II if you are participating in any DCA program.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elect a benefit that limits your Subaccounts, those limitations will also apply to the automatic rebalancing programs.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:14.436pt;;"><b>Systematic Withdrawals (All Contracts except Inherited IRA and Qualified Contracts)</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may elect to take systematic withdrawals at any time. You may take systematic withdrawals of a particular dollar amount or a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">particular percentage of your Account Value. (Rollover 403(b) Contracts may have restrictions and employer or plan approval is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">required.)</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may take systematic withdrawals on a monthly, quarterly or annual basis as long as the withdrawals do not exceed the following </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">percentages of your Account Value on the date of the withdrawal: 0.8% monthly, 2.4% quarterly and 10.0% annually. The minimum </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amount you may take in each systematic withdrawal is $250. If the amount withdrawn would be less than $250 on the date a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawal is to be taken, we will not make a payment and we will terminate your systematic withdrawal election.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Withdrawal Charges on your Contract have expired, you may elect a systematic withdrawal option in excess of the Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value percentages described above, up to 100% of your Account Value. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>However, if you elect a systematic withdrawal option in </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>excess of these limits, and make an additional contribution to your Contract, the systematic withdrawal option will be terminated.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may then elect a new systematic withdrawal option within the limits described in the preceding paragraph. Please note that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charges do not apply to Accumulator® Select</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contracts.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you have guaranteed benefits based on a Roll-up Benefit Base and your aggregate systematic withdrawals during any Contract Year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">exceed your Roll-up rate multiplied by your guaranteed benefit base as of your most recent Contract Date Anniversary, your benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base will be reduced on a pro rata basis and could result in a benefit base reduction that is greater than the withdrawal amount. See </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“How Withdrawals Affect Your GMIB and GMDB” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“WITHDRAWALS.”</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elect our systematic withdrawal program, you may request to have your withdrawals made on any day of the month, subject to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the following restrictions:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You must select a date that is more than three calendar days prior to your Contract Date Anniversary; and</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You cannot select the 29</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^th</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, 30</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^th</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> or 31</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^st</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you do not select a date, we will make the withdrawals the same day of the month as the day we receive your request to elect the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">program, subject to the same restrictions listed above.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may change the payment frequency, or the amount or percentage of your systematic withdrawals, once each Contract Year. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">However, you may not change the amount or percentage in any Contract Year in which you have already taken a partial withdrawal. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You can cancel the systematic withdrawal option at any time.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For all Contracts except Accumulator® Select</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, systematic withdrawals are not subject to a Withdrawal Charge, except to the extent </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that, when added to a partial withdrawal previously taken in the same Contract Year, the systematic withdrawal exceeds the 10% free </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawal amount.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you are over age 85, your enhanced death benefit bases will no longer be eligible to increase. Any withdrawals after your 85</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^th</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">birthday will permanently reduce the value of your benefit.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Substantially Equal Withdrawals</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> (Rollover IRA, Roth Conversion IRA, Flexible Premium IRA and Flexible Premium Roth IRA Contracts)</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may elect to take substantially equal withdrawals at any time before age 59½. We offer our ‘‘substantially equal withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">option’’ to allow you to receive distributions from your Account Value without triggering the 10% additional federal income tax, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which normally applies to distributions made before age 59½. See </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>‘‘FEDERAL TAX CONSIDERATIONS’’.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We use one of the IRS-approved </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">methods for doing this; this is not the exclusive method of meeting this exception. After consultation with your tax adviser, you may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">decide to use another method which would require you to compute amounts yourself and request partial withdrawals. In such a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">case, a Withdrawal Charge may apply (if applicable under your Contract). Once you begin to take substantially equal withdrawals, you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">should not:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Stop them;</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Change the pattern of your withdrawals (e.g., take an additional partial withdrawal) because you could become liable for the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">10% additional federal tax that would have otherwise been due on prior withdrawals made under this option and for any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">interest on the delayed payment of the tax; or</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contribute any more to the Contract until after the later of age 59½ or five full years after the first withdrawal.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you have guaranteed benefits based on a Roll-up Benefit Base and your aggregate substantially equal withdrawals during any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract Year exceed your Roll-up rate multiplied by your guaranteed benefit base as of your most recent Contract Date Anniversary, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your benefit base will be reduced on a pro rata basis and could result in a benefit base reduction that is greater than the withdrawal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amount. See “How Withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Affect</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> your GMIB and GMDB” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“WITHDRAWALS.”</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In accordance with IRS guidance, an individual who has elected to receive substantially equal withdrawals may make a one-time </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">change, without penalty, from one of the IRS-approved methods of calculating fixed payments to another IRS-approved method </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(similar to the required minimum distribution rules) of calculating payments which vary each year.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will make the withdrawal on any day of the month that you select as long as it is not later than the 28th day of the month. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">However, you must elect a date that is more than three calendar days prior to your Contract Date Anniversary. We will calculate the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amount of your substantially equal withdrawals using the IRS-approved method we offer. The payments will be made monthly, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">quarterly or annually as you select. These payments will continue until (i) we receive written notice from you to cancel this option; (ii) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you take an additional partial withdrawal; or (iii) you contribute any more to the Contract. You may elect to start receiving </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">substantially equal withdrawals again, but the payments may not restart in the same calendar year in which you took a partial </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawal or added amounts to the Contract. We will calculate the new withdrawal amount.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For all Contracts except Accumulator® Select</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">, substantially equal withdrawals that we calculate for you are not subject to a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawal Charge, except to the extent that, when added to a partial withdrawal previously taken in the same Contract Year, the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">substantially equal withdrawal exceeds the free withdrawal amount (see “10% Free Withdrawal Amount” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“CHARGES AND FEES”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">).</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you are over age 85, your enhanced death benefit bases will no longer be eligible to increase. Any withdrawals after your 85</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^th</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">birthday will permanently reduce the value of your benefit.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Lifetime Required Minimum Distribution (“RMD”) Withdrawals</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> (Rollover IRA, Flexible Premium IRA and Rollover 403(b) Contracts </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">only — See </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“FEDERAL TAX CONSIDERATIONS” </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>for more information.)</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We offer our automatic required minimum distribution (“RMD”) service to help you meet lifetime required minimum distributions </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under federal income tax rules. This is not the exclusive way for you to meet these rules. After consultation with your tax adviser, you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may decide to compute required minimum distributions yourself and request partial withdrawals. In such a case, a Withdrawal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charge may apply (if applicable under your Contract). Before electing this account based withdrawal option, you should consider </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">whether annuitization might be better in your situation. If you have elected an optional benefit with a Roll-up Benefit Base, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amounts withdrawn from the Contract to meet RMDs exceed your Roll-up rate multiplied by your guaranteed benefit base as of your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">most recent Contract Date Anniversary, your benefit base will be reduced on a pro rata basis and could result in a guaranteed benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">base reduction that is greater than the withdrawal amount. If you are over age 85, your enhanced death benefit bases will no longer </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">be eligible to increase. Any withdrawals after your 85th birthday will permanently reduce the value of your benefit. See “How </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals affect your GMIB and GMDB”</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“WITHDRAWALS.”</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Also, the actuarial present value of additional Contract benefits must be added to the Account Value in calculating RMD withdrawals </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from 403(b) and IRA Contracts, which could increase the amount required to be withdrawn. Please refer to ‘‘FEDERAL TAX </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">CONSIDERATIONS.”</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The minimum amount we will pay out is $250. Currently, minimum distribution withdrawal payments will be made annually. See </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“Required minimum distributions” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“FEDERAL TAX CONSIDERATIONS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for your specific type of retirement arrangement.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>See “Lifetime Required Minimum Distributions (401(a), 401(k), 403(b), and IRAs) in </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>“FEDERAL TAX CONSIDERATIONS.”</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b> for a </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>discussion of the “applicable age” by which RMDs must begin. </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>We will send a form outlining the distribution options available </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>in the year you reach the “applicable age” if you have not begun your annuity payments before that time.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We do not impose a Withdrawal Charge on RMD withdrawals taken through our automatic RMD service except if, when added to a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">partial withdrawal previously taken in the same Contract Year, the minimum distribution withdrawal exceeds the 10% free </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawal amount. Please note that Withdrawal Charges do not apply to Accumulator® Select</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contracts.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Under Rollover 403(b) Contracts, you may not elect our automatic RMD service if a loan is outstanding.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b><i>For Contracts with GMIB.</i></b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Cumulative withdrawals, including RMD payments using our automatic RMD service, will reduce your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GMIB benefit base on a pro rata basis. See “How Withdrawals Affect Your GMIB and GMDB” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“WITHDRAWALS.”</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owners of IRA and 403(b) Contracts generally should not reset the Roll-up Benefit Base if lifetime RMDs must begin before the end of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the new exercise waiting period. See </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“OPTIONAL LIVING BENEFITS.”</i></span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:14.436pt;;"><b>Loans under Rollover 403(b) Contracts</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Loans under a Rollover 403(b) Contract are not permitted without employer or plan approval. We will not permit you to take a loan </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or have a loan outstanding while you are enrolled in our automatic RMD service.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Loans are subject to federal income tax limits and are also subject to the limits of the plan. The loan rules under ERISA may apply to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">plans not sponsored by a governmental employer. Federal income tax rules apply to all plans, even if the plan is not subject to ERISA.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A loan will not be treated as a taxable distribution unless:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">It exceeds limits of federal income tax rules;</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Interest and principal are not paid when due; or</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In some instances, service with the employer terminates.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Taking a loan in excess of the Tax Code limits may result in adverse tax consequences.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Before we make a loan, you must properly complete and sign a loan request form. Loan processing may not be completed until we </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">receive all information and approvals required to process the loan.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will permit you to have only one loan outstanding at a time. The minimum loan amount is $1,000. The maximum amount is the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">lowest of:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The greater of</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">50% of your Cash Value, less any outstanding loan balance; or</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$10,000 less any outstanding loan balance;</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$50,000 less the highest outstanding loan balance in the last 12 months; or</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The greater of:</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">90% of your Cash Value; or</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:4%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:8pt;"> <div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;">○</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your Cash Value less $2,500.</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The term of a loan is five years. However, if you use the loan to acquire your primary residence, the term may be up to 15 years. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">term may not extend beyond the earliest of:</span></div><div> <table cellspacing="0" style="padding-top:4pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The date annuity payments begin;</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The date the Contract terminates; and</span></div> </td> </tr> </table></div><div> <table cellspacing="0" style="padding-top:1pt;padding-right:2%;padding-left:2%;" width="100%"> <tr> <td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:9pt;"> <div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div> </td> <td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;"> <div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The date a death benefit is paid (the outstanding loan, including any accrued but unpaid loan interest, will be deducted from </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the death benefit amount).</span></div> </td> </tr> </table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A loan request under your Rollover 403(b) Contract will be processed on the Business Day on which the properly completed loan </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">request form is received. Interest will accrue daily on your outstanding loan at a rate we set. The loan interest rate is currently set at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6%. Please see </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“APPENDIX E - STATE CONTRACT AVAILABILITY AND/OR VARIATIONS OF CERTAIN FEATURES AND BENEFITS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> for any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">state rules that may affect loans from a 403(b) Contract.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Tax consequences for failure to repay a loan when due are substantial, and may result in severe restrictions on your ability to borrow </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amounts under any plans of your employer in the future.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Loan reserve account.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> On the date your loan is processed, we will transfer the amount of your loan to the “loan reserve account.” </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Unless you specify otherwise, we will subtract your loan on a pro rata basis from your value in the Subaccounts and the Guaranteed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Interest Option. If those amounts are insufficient, we will deduct all or a portion of the loan from the Account for Special DCA (for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® and Accumulator® Elite</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contracts) or the Account for Special Money Market DCA (for Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Accumulator® Select</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contracts). Amounts held in the loan reserve account do not participate in the investment experience of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subaccounts or any other investment option under the Contract and, therefore, may affect your Account Value and death benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">whether or not the loan is repaid.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For the period of time your loan is outstanding, the loan reserve account rate we will credit will equal the loan interest rate minus a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">maximum rate of 2%. When you make a loan repayment, unless you specify otherwise, we will transfer the dollar amount of the loan </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">repaid and the amount of interest earned from the loan reserve account to the investment options according to the allocation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">percentages we have on our records. For Accumulator® Plus</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^SM</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Contracts, loan repayments are not considered contributions and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">therefore</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">,</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> are not eligible for additional Credits.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you elected a guaranteed benefit that provides a 6% (or greater) roll-up, a loan will effectively reduce the growth rate of your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">guaranteed benefits because the Roll-up to Age 85 benefit base rolls up at 3% with respect to amounts allocated to the loan reserve </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">account. For more information, see “Death Benefit Options” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“DEATH BENEFITS”</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> and “Calculating Your Roll-up Benefit Base </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Following a Transfer” in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>“TRANSFERS AMONG YOUR INVESTMENT OPTIONS.”</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Repayment.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> You are required to establish a repayment schedule when initiating a loan. Repayment terms may vary but will end at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the end of the term of the loan. When you initiate a loan, a repayment amount is determined and you choose whether to repay the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">loan over the term on a monthly or quarterly basis. Once chosen, your repayment term and frequency cannot be changed. You may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">always pay more than the agreed upon repayment amount, and you may pay off the loan before the end of its term.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Loan repayments received will reduce the outstanding loan balance and such amounts, net of loan interest, will be transferred on a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">pro rata basis from the loan reserve account to the investment options in which your Account Value is then allocated.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Past Due Loans.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> A loan will become past due when a scheduled payment has not been received. Any loan payments made on a past </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">due loan will apply to the oldest delinquent payment first for the purposes of avoiding defaulting on the loan. Any amount past due </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for more than three months will cause the loan to be in default.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Defaulted Loans.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> When a loan is in default the outstanding loan amount, including accrued interest, is treated as a normal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">disbursement for tax purposes and will be reported as a taxable distribution to the IRS. The distribution may be subject to tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">penalties under Tax Code. If you have defaulted on a loan, interest will continue to accumulate on the balance until the loan is paid or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you have a distributable event. Additionally, certain other tax rules apply to distributions from the Contract. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>See “FEDERAL TAX </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>CONSIDERATIONS – Taxation of Qualified Contracts” for additional information.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Withdrawals to Repay a Loan.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> You may take a withdrawal from your Contract to make a loan payment or repay a loan that is in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">default, but any such withdrawal will be subject to the normal consequences of a withdrawal, including possible Withdrawal Charges. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We cannot apply any amount withdrawn directly to a loan repayment. Rather, you will need to take the withdrawal and return the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">loan payment to us with a personal check or in another accepted method of payment.</span></div> <div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;"><b><i>APPENDIX A – FUNDS AVAILABLE UNDER THE CONTRACT</i></b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following is a list of the Funds available through the Subaccounts under the Contract. More information about the Funds is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">available in the prospectuses for the Funds, which may be amended from time to time and can be found online at </span><a href="DUMMY_1131_2_3"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">https://docs.venerable.com/#/landing?prod=92264H1427&amp;doctype=spros</span></a><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">. You can also request this information at no cost by calling </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-800-366-0066 or by sending an email request to smb-usa-mailbox@venerable.com. If you elected certain guaranteed benefits, you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may only invest in the Funds listed in the designated table at the end of this Appendix.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The current expenses and performance information below reflects fees and expenses of the Funds, but does not reflect the other </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">were included. Each Fund’s past performance is not necessarily an indication of future performance.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Consult with your investment professional to determine if the Funds may be suited to your financial needs, investment time horizon </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and risk tolerance. You should periodically review these factors to determine if you need to change your investment strategy.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;"><b><i>Open Funds</i></b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Subaccounts that invest in the following Funds are open to new premiums and transfers of Contract Value.</span></div><div><div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:25.953789279112755%"></td> <td style="height:1px;background-color:#F2F2F2;;width:30.504621072088725%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.935304990757857%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.264325323475045%"></td> </tr> <tr> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT OBJECTIVE</b></span></span> </div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>FUND NAME</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT ADVISER/SUBADVISER</b></span></div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>CURRENT </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EXPENSES</b></span></div> </td> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AVERAGE ANNUAL</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>TOTAL RETURNS</b></span></div> </td> </tr> <tr> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(AS OF 12/31/2025)</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 Year</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1290 VT GAMCO Mergers &amp; </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Acquisitions Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GAMCO Asset </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, Inc.</span><br/> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.29</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>15.91</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.70</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>5.38</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to maximize capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1290 VT GAMCO Small Company </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Value Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GAMCO Asset </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, Inc.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.05</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.82</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>11.24</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.77</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1290 VT SmartBeta Equity ESG </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AXA Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Managers US Inc.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.10</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>13.95</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.21</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.74</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1290 VT Socially Responsible </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">BlackRock Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.90</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>17.23</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>13.04</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>13.38</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Portfolio seeks to achieve </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">long-term growth of capital with </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/2000 Managed Volatility Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and BlackRock Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.84</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.32</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>4.40</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>8.33</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> </table></div></div><table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:25.953789279112755%"></td> <td style="height:1px;background-color:#F2F2F2;;width:30.504621072088725%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.935304990757857%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.264325323475045%"></td> </tr> <tr> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT OBJECTIVE</b></span></span> </div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>FUND NAME</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT ADVISER/SUBADVISER</b></span></div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>CURRENT </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EXPENSES</b></span></div> </td> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AVERAGE ANNUAL</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>TOTAL RETURNS</b></span></div> </td> </tr> <tr> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(AS OF 12/31/2025)</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 Year </b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Portfolio seeks to achieve </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">long-term growth of capital with </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/400 Managed Volatility Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and BlackRock Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.85</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>3.31</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.06</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.21</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a balance of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">current income and capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation, consistent with a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">prudent level of risk.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/AB Short Duration Government </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Bond Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.77</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>4.17</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>2.11</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.56</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/AB Small Cap Growth Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.92</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.21</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>3.43</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.10</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Aggressive Allocation Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.15</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.97</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.79</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.47</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks long-term capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation and current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income, with a greater </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Aggressive Growth Strategy </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.01</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.17</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.61</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.04</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks long-term capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation and current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Balanced Strategy Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.97</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.05</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>4.68</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>6.08</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation, which may </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">occasionally be short-term, with </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/ClearBridge Select Equity </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Managed Volatility Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">ClearBridge </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investments, LLC and BlackRock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management, LLC</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.06</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.66</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>8.42</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.21</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Russell </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3000® Index, including </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reinvestment of dividends, at a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risk level consistent with that of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Russell 3000 Index.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Common Stock Index Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.67</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>16.28</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.50</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>13.55</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> </table><table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:25.953789279112755%"></td> <td style="height:1px;background-color:#F2F2F2;;width:30.504621072088725%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.935304990757857%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.264325323475045%"></td> </tr> <tr> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT OBJECTIVE</b></span></span> </div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>FUND NAME</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT ADVISER/SUBADVISER</b></span></div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>CURRENT </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EXPENSES</b></span></div> </td> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AVERAGE ANNUAL</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>TOTAL RETURNS</b></span></div> </td> </tr> <tr> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(AS OF 12/31/2025)</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 Year </b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a high level of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">current income.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Conservative Allocation Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.00</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.48</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.74</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>3.11</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve current income </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and growth of capital, with a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater emphasis on current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Conservative-Plus Allocation </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.09</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.06</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>3.38</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>4.94</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Bloomberg </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Intermediate Government/</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credit Bond Index </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(“Intermediate Government </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credit Index”), including </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reinvestment of dividends, at a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risk level consistent with that of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Intermediate Government </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credit Index.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Core Bond Index Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">SSGA Funds </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, Inc.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.62</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>6.43</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.35</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.70</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Standard &amp; </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Poor’s 500® Index (“S&amp;P 500 </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index”), including reinvestment </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of dividends, at a risk level </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consistent with that of the S&amp;P </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">500 Index.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Equity 500 Index Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.53</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>17.23</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>13.79</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>14.15</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term total </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">return with an emphasis on </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risk-adjusted returns and </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">managing volatility in the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Franklin Small Cap Value </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Managed Volatility Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Franklin Mutual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Advisers, LLC and BlackRock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management, LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.05</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.06</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>6.11</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>8.71</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Global Equity Managed Volatility </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Morgan Stanley </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Inc., Invesco </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Advisers, Inc., and BlackRock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management, LLC.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.08</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>19.14</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>8.33</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.47</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> </table><table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:25.953789279112755%"></td> <td style="height:1px;background-color:#F2F2F2;;width:30.504621072088725%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.935304990757857%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.264325323475045%"></td> </tr> <tr> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT OBJECTIVE</b></span></span> </div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>FUND NAME</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT ADVISER/SUBADVISER</b></span></div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>CURRENT </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EXPENSES</b></span></div> </td> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AVERAGE ANNUAL</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>TOTAL RETURNS</b></span></div> </td> </tr> <tr> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(AS OF 12/31/2025)</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 Year </b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Bloomberg </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Intermediate Government </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Bond Index (“Intermediate </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Government Bond Index”), </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">including reinvestment of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">dividends, at a risk level </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consistent with that of the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Intermediate Government Bond </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Intermediate Government Bond </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">SSGA Funds </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, Inc.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.62</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>5.54</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.30</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.15</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/International Core Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Federated Global </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Corp., </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Massachusetts Financial Services </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company d/b/a MFS Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, EARNEST Partners, LLC, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and BlackRock Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.06</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>26.12</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.52</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.48</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(before expenses) that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the MSCI EAFE </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/International Equity Index </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.72</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>31.46</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.91</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>8.07</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to provide current income </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and long-term growth of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income, accompanied by </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/International Value Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Harris Associates L.P. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and BlackRock Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.04</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>26.66</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.75</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>6.77</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve capital growth.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Janus Enterprise Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Janus Henderson </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investors US LLC</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.04</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>8.05</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.06</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.61</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> </table><table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:25.953789279112755%"></td> <td style="height:1px;background-color:#F2F2F2;;width:30.504621072088725%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.935304990757857%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.264325323475045%"></td> </tr> <tr> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT OBJECTIVE</b></span></span> </div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>FUND NAME</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT ADVISER/SUBADVISER</b></span></div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>CURRENT </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EXPENSES</b></span></div> </td> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AVERAGE ANNUAL</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>TOTAL RETURNS</b></span></div> </td> </tr> <tr> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(AS OF 12/31/2025)</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 Year </b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Large Cap Core Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Capital International, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Inc., GQG Partners LLC, Vaughan </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Nelson Investment Management, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">BlackRock Investment Management, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.88</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.88</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.03</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.83</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Russell </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1000® Growth Index, including </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reinvestment of dividends at a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risk level consistent with the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Russell 1000® Growth Index.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Large Cap Growth Index Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.71</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>17.74</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>14.51</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>17.26</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to provide long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital growth with an emphasis </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on risk-adjusted returns and </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">managing volatility in the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Large Cap Growth Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Loomis, Sayles &amp; </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company, L.P., J.P. Morgan Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management Inc., Polen Capital </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC, and BlackRock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management, LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.87</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>11.06</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>11.64</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>15.01</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Russell </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1000® Value Index, including </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reinvestment of dividends, at a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risk level consistent with that of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Russell 1000® Value Index.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Large Cap Value Index Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.74</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>15.04</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.52</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.77</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Large Cap Value Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P., </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Aristotle Capital Management, LLC, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and Massachusetts Financial Services </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company d/b/a MFS Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.86</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.62</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.69</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.56</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> </table><table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:25.953789279112755%"></td> <td style="height:1px;background-color:#F2F2F2;;width:30.504621072088725%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.935304990757857%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.264325323475045%"></td> </tr> <tr> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT OBJECTIVE</b></span></span> </div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>FUND NAME</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT ADVISER/SUBADVISER</b></span></div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>CURRENT </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EXPENSES</b></span></div> </td> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AVERAGE ANNUAL</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>TOTAL RETURNS</b></span></div> </td> </tr> <tr> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(AS OF 12/31/2025)</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 Year </b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Standard &amp; </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Poor’s MidCap 400® Index </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(“S&amp;P MidCap 400 Index”), </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">including reinvestment of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">dividends, at a risk level </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consistent with that of the S&amp;P </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MidCap 400 Index.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Mid Cap Index Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.64</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>6.80</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>8.42</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.99</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Mid Cap Value Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Diamond Hill Capital </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, Inc., Wellington </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management Company LLP, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">BlackRock Investment Management, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.97</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>4.98</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.62</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>8.20</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation and current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Moderate Allocation Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.08</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.25</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>4.14</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>5.78</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation and current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income, with a greater </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Moderate-Plus Allocation </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.11</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>11.50</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>5.88</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.67</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to obtain a high level of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">current income, preserve its </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assets and maintain liquidity.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Money Market Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dreyfus, a division of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Mellon Investment Corporation</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.67</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>3.66</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>2.79</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.73</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve high current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income consistent with </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">moderate risk to capital.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Quality Bond PLUS Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and Pacific Investment Management </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.82</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>6.32</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>-0.19</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.31</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to replicate as closely as </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">possible (before expenses) the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">total return of the Russell 2000® </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index (“Russell 2000”).</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Small Company Index Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.63</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.57</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>6.16</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.44</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> </table><table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:25.953789279112755%"></td> <td style="height:1px;background-color:#F2F2F2;;width:30.504621072088725%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.935304990757857%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.264325323475045%"></td> </tr> <tr> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT OBJECTIVE</b></span></span> </div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>FUND NAME</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT ADVISER/SUBADVISER</b></span></div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>CURRENT </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EXPENSES</b></span></div> </td> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AVERAGE ANNUAL</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>TOTAL RETURNS</b></span></div> </td> </tr> <tr> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(AS OF 12/31/2025)</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 Year </b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Multimanager Technology Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P., </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">FIAM LLC, and Wellington </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management Company LLP</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.23</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>25.87</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.46</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>19.41</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> </table> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following is a list of the Funds available through the Subaccounts under the Contract. More information about the Funds is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">available in the prospectuses for the Funds, which may be amended from time to time and can be found online at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">. You can also request this information at no cost by calling </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1-800-366-0066 or by sending an email request to smb-usa-mailbox@venerable.com. If you elected certain guaranteed benefits, you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may only invest in the Funds listed in the designated table at the end of this Appendix.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The current expenses and performance information below reflects fees and expenses of the Funds, but does not reflect the other </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">were included. Each Fund’s past performance is not necessarily an indication of future performance.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Consult with your investment professional to determine if the Funds may be suited to your financial needs, investment time horizon </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and risk tolerance. You should periodically review these factors to determine if you need to change your investment strategy.</span> <div> <table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:25.953789279112755%"></td> <td style="height:1px;background-color:#F2F2F2;;width:30.504621072088725%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.935304990757857%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.264325323475045%"></td> </tr> <tr> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT OBJECTIVE</b></span></span> </div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>FUND NAME</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT ADVISER/SUBADVISER</b></span></div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>CURRENT </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EXPENSES</b></span></div> </td> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AVERAGE ANNUAL</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>TOTAL RETURNS</b></span></div> </td> </tr> <tr> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(AS OF 12/31/2025)</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 Year</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1290 VT GAMCO Mergers &amp; </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Acquisitions Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GAMCO Asset </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, Inc.</span><br/> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.29</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>15.91</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.70</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>5.38</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to maximize capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1290 VT GAMCO Small Company </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Value Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GAMCO Asset </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, Inc.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.05</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.82</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>11.24</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.77</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1290 VT SmartBeta Equity ESG </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AXA Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Managers US Inc.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.10</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>13.95</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.21</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.74</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1290 VT Socially Responsible </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">BlackRock Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.90</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>17.23</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>13.04</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>13.38</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Portfolio seeks to achieve </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">long-term growth of capital with </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/2000 Managed Volatility Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and BlackRock Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.84</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.32</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>4.40</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>8.33</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> </table></div><table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:25.953789279112755%"></td> <td style="height:1px;background-color:#F2F2F2;;width:30.504621072088725%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.935304990757857%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.264325323475045%"></td> </tr> <tr> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT OBJECTIVE</b></span></span> </div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>FUND NAME</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT ADVISER/SUBADVISER</b></span></div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>CURRENT </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EXPENSES</b></span></div> </td> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AVERAGE ANNUAL</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>TOTAL RETURNS</b></span></div> </td> </tr> <tr> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(AS OF 12/31/2025)</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 Year </b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Portfolio seeks to achieve </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">long-term growth of capital with </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/400 Managed Volatility Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and BlackRock Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.85</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>3.31</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.06</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.21</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a balance of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">current income and capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation, consistent with a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">prudent level of risk.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/AB Short Duration Government </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Bond Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.77</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>4.17</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>2.11</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.56</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/AB Small Cap Growth Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.92</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.21</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>3.43</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.10</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Aggressive Allocation Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.15</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.97</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.79</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.47</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks long-term capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation and current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income, with a greater </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Aggressive Growth Strategy </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.01</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.17</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.61</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.04</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks long-term capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation and current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Balanced Strategy Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.97</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.05</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>4.68</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>6.08</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation, which may </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">occasionally be short-term, with </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/ClearBridge Select Equity </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Managed Volatility Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">ClearBridge </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investments, LLC and BlackRock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management, LLC</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.06</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.66</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>8.42</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.21</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Russell </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3000® Index, including </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reinvestment of dividends, at a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risk level consistent with that of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Russell 3000 Index.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Common Stock Index Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.67</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>16.28</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.50</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>13.55</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> </table><table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:25.953789279112755%"></td> <td style="height:1px;background-color:#F2F2F2;;width:30.504621072088725%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.935304990757857%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.264325323475045%"></td> </tr> <tr> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT OBJECTIVE</b></span></span> </div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>FUND NAME</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT ADVISER/SUBADVISER</b></span></div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>CURRENT </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EXPENSES</b></span></div> </td> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AVERAGE ANNUAL</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>TOTAL RETURNS</b></span></div> </td> </tr> <tr> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(AS OF 12/31/2025)</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 Year </b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a high level of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">current income.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Conservative Allocation Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.00</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.48</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.74</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>3.11</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve current income </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and growth of capital, with a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater emphasis on current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Conservative-Plus Allocation </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.09</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.06</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>3.38</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>4.94</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Bloomberg </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Intermediate Government/</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credit Bond Index </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(“Intermediate Government </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credit Index”), including </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reinvestment of dividends, at a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risk level consistent with that of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Intermediate Government </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credit Index.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Core Bond Index Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">SSGA Funds </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, Inc.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.62</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>6.43</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.35</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.70</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Standard &amp; </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Poor’s 500® Index (“S&amp;P 500 </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index”), including reinvestment </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of dividends, at a risk level </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consistent with that of the S&amp;P </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">500 Index.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Equity 500 Index Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.53</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>17.23</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>13.79</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>14.15</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term total </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">return with an emphasis on </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risk-adjusted returns and </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">managing volatility in the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Franklin Small Cap Value </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Managed Volatility Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Franklin Mutual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Advisers, LLC and BlackRock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management, LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.05</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.06</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>6.11</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>8.71</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Global Equity Managed Volatility </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Morgan Stanley </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Inc., Invesco </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Advisers, Inc., and BlackRock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management, LLC.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.08</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>19.14</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>8.33</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.47</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> </table><table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:25.953789279112755%"></td> <td style="height:1px;background-color:#F2F2F2;;width:30.504621072088725%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.935304990757857%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.264325323475045%"></td> </tr> <tr> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT OBJECTIVE</b></span></span> </div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>FUND NAME</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT ADVISER/SUBADVISER</b></span></div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>CURRENT </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EXPENSES</b></span></div> </td> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AVERAGE ANNUAL</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>TOTAL RETURNS</b></span></div> </td> </tr> <tr> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(AS OF 12/31/2025)</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 Year </b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Bloomberg </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Intermediate Government </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Bond Index (“Intermediate </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Government Bond Index”), </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">including reinvestment of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">dividends, at a risk level </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consistent with that of the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Intermediate Government Bond </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Intermediate Government Bond </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">SSGA Funds </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, Inc.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.62</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>5.54</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.30</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.15</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/International Core Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Federated Global </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Corp., </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Massachusetts Financial Services </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company d/b/a MFS Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, EARNEST Partners, LLC, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and BlackRock Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.06</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>26.12</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.52</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.48</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(before expenses) that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the MSCI EAFE </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/International Equity Index </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.72</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>31.46</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.91</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>8.07</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to provide current income </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and long-term growth of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income, accompanied by </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/International Value Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Harris Associates L.P. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and BlackRock Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.04</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>26.66</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.75</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>6.77</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve capital growth.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Janus Enterprise Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Janus Henderson </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investors US LLC</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.04</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>8.05</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.06</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.61</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> </table><table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:25.953789279112755%"></td> <td style="height:1px;background-color:#F2F2F2;;width:30.504621072088725%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.935304990757857%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.264325323475045%"></td> </tr> <tr> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT OBJECTIVE</b></span></span> </div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>FUND NAME</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT ADVISER/SUBADVISER</b></span></div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>CURRENT </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EXPENSES</b></span></div> </td> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AVERAGE ANNUAL</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>TOTAL RETURNS</b></span></div> </td> </tr> <tr> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(AS OF 12/31/2025)</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 Year </b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Large Cap Core Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Capital International, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Inc., GQG Partners LLC, Vaughan </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Nelson Investment Management, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">BlackRock Investment Management, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.88</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.88</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.03</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.83</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Russell </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1000® Growth Index, including </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reinvestment of dividends at a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risk level consistent with the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Russell 1000® Growth Index.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Large Cap Growth Index Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.71</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>17.74</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>14.51</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>17.26</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to provide long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital growth with an emphasis </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on risk-adjusted returns and </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">managing volatility in the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Large Cap Growth Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Loomis, Sayles &amp; </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company, L.P., J.P. Morgan Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management Inc., Polen Capital </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC, and BlackRock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management, LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.87</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>11.06</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>11.64</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>15.01</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Russell </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1000® Value Index, including </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reinvestment of dividends, at a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risk level consistent with that of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Russell 1000® Value Index.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Large Cap Value Index Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.74</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>15.04</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.52</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.77</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Large Cap Value Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P., </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Aristotle Capital Management, LLC, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and Massachusetts Financial Services </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company d/b/a MFS Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.86</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.62</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.69</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.56</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> </table><table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:25.953789279112755%"></td> <td style="height:1px;background-color:#F2F2F2;;width:30.504621072088725%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.935304990757857%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.264325323475045%"></td> </tr> <tr> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT OBJECTIVE</b></span></span> </div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>FUND NAME</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT ADVISER/SUBADVISER</b></span></div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>CURRENT </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EXPENSES</b></span></div> </td> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AVERAGE ANNUAL</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>TOTAL RETURNS</b></span></div> </td> </tr> <tr> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(AS OF 12/31/2025)</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 Year </b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Standard &amp; </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Poor’s MidCap 400® Index </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(“S&amp;P MidCap 400 Index”), </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">including reinvestment of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">dividends, at a risk level </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consistent with that of the S&amp;P </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MidCap 400 Index.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Mid Cap Index Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.64</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>6.80</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>8.42</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.99</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Mid Cap Value Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Diamond Hill Capital </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, Inc., Wellington </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management Company LLP, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">BlackRock Investment Management, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.97</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>4.98</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.62</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>8.20</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation and current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Moderate Allocation Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.08</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>10.25</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>4.14</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>5.78</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation and current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income, with a greater </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Moderate-Plus Allocation </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.11</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>11.50</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>5.88</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>7.67</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to obtain a high level of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">current income, preserve its </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assets and maintain liquidity.</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Money Market Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dreyfus, a division of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Mellon Investment Corporation</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.67</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>3.66</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>2.79</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.73</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve high current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income consistent with </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">moderate risk to capital.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Quality Bond PLUS Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and Pacific Investment Management </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company LLC</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.82</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>6.32</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>-0.19</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-bottom:1pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.31</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to replicate as closely as </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">possible (before expenses) the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">total return of the Russell 2000® </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index (“Russell 2000”).</span></span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Small Company Index Portfolio</b></span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Adviser: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> </div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>0.63</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.57</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>6.16</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;vertical-align:top"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>9.44</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> </table><table cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000; border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-left:0pt;"> <tr style="height:1px;"> <td style="height:1px;background-color:#F2F2F2;;width:25.953789279112755%"></td> <td style="height:1px;background-color:#F2F2F2;;width:30.504621072088725%"></td> <td style="height:1px;background-color:#F2F2F2;;width:12.935304990757857%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.171903881700555%"></td> <td style="height:1px;background-color:#F2F2F2;;width:10.264325323475045%"></td> </tr> <tr> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT OBJECTIVE</b></span></span> </div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>FUND NAME</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>INVESTMENT ADVISER/SUBADVISER</b></span></div> </td> <td colspan="1" rowspan="3" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>CURRENT </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EXPENSES</b></span></div> </td> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>AVERAGE ANNUAL</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>TOTAL RETURNS</b></span></div> </td> </tr> <tr> <td colspan="3" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1.5pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(AS OF 12/31/2025)</b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>5 Year</b></span></div> </td> <td colspan="1" style="background-color:#F2F2F2;;border-bottom:1pt solid #000000;vertical-align:bottom"> <div style="background-color:#F2F2F2;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>10 Year </b></span></div> </td> </tr> <tr> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital.</span></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:4pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Multimanager Technology Portfolio</b></span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Adviser:</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> </div> <div style="background-color:#FFFFFF;padding-left:4pt;padding-top:5pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sub-Advisers: </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P., </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">FIAM LLC, and Wellington </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management Company LLP</span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Class IB</b></span><br/><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>1.23</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;">^<b>1</b></span> </div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>25.87</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;border-right:0.5pt solid #000000;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>12.46</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> <td colspan="1" style="background-color:;;vertical-align:top"> <div style="background-color:;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b>19.41</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>%</b></span></div> </td> </tr> </table> <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1290 VT GAMCO Mergers &amp; </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Acquisitions Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GAMCO Asset </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, Inc.</span> 0.0129 0.1591 0.077 0.0538 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to maximize capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1290 VT GAMCO Small Company </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Value Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GAMCO Asset </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, Inc.</span> 0.0105 0.1282 0.1124 0.1077 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1290 VT SmartBeta Equity ESG </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AXA Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Managers US Inc.</span> 0.011 0.1395 0.1021 0.1074 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>1290 VT Socially Responsible </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">BlackRock Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC</span> 0.009 0.1723 0.1304 0.1338 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Portfolio seeks to achieve </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">long-term growth of capital with </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/2000 Managed Volatility Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and BlackRock Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC</span> 0.0084 0.0932 0.044 0.0833 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Portfolio seeks to achieve </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">long-term growth of capital with </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/400 Managed Volatility Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and BlackRock Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC</span> 0.0085 0.0331 0.0706 0.0921 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a balance of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">current income and capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation, consistent with a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">prudent level of risk.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/AB Short Duration Government </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Bond Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> 0.0077 0.0417 0.0211 0.0156 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/AB Small Cap Growth Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> 0.0092 0.0921 0.0343 0.101 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Aggressive Allocation Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> 0.0115 0.1297 0.0779 0.0947 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks long-term capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation and current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income, with a greater </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Aggressive Growth Strategy </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> 0.0101 0.1217 0.0761 0.0904 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks long-term capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation and current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Balanced Strategy Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> 0.0097 0.1005 0.0468 0.0608 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation, which may </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">occasionally be short-term, with </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/ClearBridge Select Equity </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Managed Volatility Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">ClearBridge </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investments, LLC and BlackRock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management, LLC</span> 0.0106 0.0766 0.0842 0.1221 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Russell </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">3000® Index, including </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reinvestment of dividends, at a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risk level consistent with that of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Russell 3000 Index.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Common Stock Index Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> 0.0067 0.1628 0.125 0.1355 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a high level of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">current income.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Conservative Allocation Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> 0.01 0.0748 0.0174 0.0311 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve current income </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and growth of capital, with a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">greater emphasis on current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Conservative-Plus Allocation </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> 0.0109 0.0906 0.0338 0.0494 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Bloomberg </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Intermediate Government/</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credit Bond Index </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(“Intermediate Government </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credit Index”), including </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reinvestment of dividends, at a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risk level consistent with that of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Intermediate Government </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Credit Index.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Core Bond Index Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">SSGA Funds </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, Inc.</span> 0.0062 0.0643 0.0035 0.017 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Standard &amp; </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Poor’s 500® Index (“S&amp;P 500 </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index”), including reinvestment </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of dividends, at a risk level </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consistent with that of the S&amp;P </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">500 Index.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Equity 500 Index Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> 0.0053 0.1723 0.1379 0.1415 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term total </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">return with an emphasis on </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risk-adjusted returns and </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">managing volatility in the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Portfolio.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Franklin Small Cap Value </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Managed Volatility Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Franklin Mutual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Advisers, LLC and BlackRock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management, LLC</span> 0.0105 0.0706 0.0611 0.0871 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Global Equity Managed Volatility </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Morgan Stanley </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Inc., Invesco </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Advisers, Inc., and BlackRock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management, LLC.</span> 0.0108 0.1914 0.0833 0.0947 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Bloomberg </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">U.S. Intermediate Government </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Bond Index (“Intermediate </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Government Bond Index”), </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">including reinvestment of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">dividends, at a risk level </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consistent with that of the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Intermediate Government Bond </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Intermediate Government Bond </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">SSGA Funds </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, Inc.</span> 0.0062 0.0554 0.003 0.0115 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/International Core Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Federated Global </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Corp., </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Massachusetts Financial Services </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company d/b/a MFS Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, EARNEST Partners, LLC, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and BlackRock Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC</span> 0.0106 0.2612 0.0752 0.0748 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(before expenses) that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the MSCI EAFE </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/International Equity Index </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> 0.0072 0.3146 0.0991 0.0807 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to provide current income </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and long-term growth of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income, accompanied by </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/International Value Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Harris Associates L.P. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and BlackRock Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC</span> 0.0104 0.2666 0.0775 0.0677 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve capital growth.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Janus Enterprise Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Janus Henderson </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investors US LLC</span> 0.0104 0.0805 0.0706 0.1061 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Large Cap Core Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Capital International, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Inc., GQG Partners LLC, Vaughan </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Nelson Investment Management, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">BlackRock Investment Management, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">LLC</span> 0.0088 0.1088 0.1203 0.1283 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Russell </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1000® Growth Index, including </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reinvestment of dividends at a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risk level consistent with the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Russell 1000® Growth Index.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Large Cap Growth Index Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> 0.0071 0.1774 0.1451 0.1726 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to provide long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital growth with an emphasis </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on risk-adjusted returns and </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">managing volatility in the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Portfolio.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Large Cap Growth Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Loomis, Sayles &amp; </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company, L.P., J.P. Morgan Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management Inc., Polen Capital </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, LLC, and BlackRock </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management, LLC</span> 0.0087 0.1106 0.1164 0.1501 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Russell </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">1000® Value Index, including </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reinvestment of dividends, at a </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risk level consistent with that of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Russell 1000® Value Index.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Large Cap Value Index Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> 0.0074 0.1504 0.1052 0.0977 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Large Cap Value Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P., </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Aristotle Capital Management, LLC, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and Massachusetts Financial Services </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company d/b/a MFS Investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management</span> 0.0086 0.1062 0.0969 0.0956 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve a total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before expenses that </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">approximates the total return </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Standard &amp; </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Poor’s MidCap 400® Index </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(“S&amp;P MidCap 400 Index”), </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">including reinvestment of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">dividends, at a risk level </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consistent with that of the S&amp;P </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MidCap 400 Index.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Mid Cap Index Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> 0.0064 0.068 0.0842 0.0999 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation with an </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on risk-adjusted </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">returns and managing volatility </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the Portfolio.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Mid Cap Value Managed </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Volatility Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Diamond Hill Capital </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management, Inc., Wellington </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management Company LLP, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">BlackRock Investment Management, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">LLC</span> 0.0097 0.0498 0.0762 0.082 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation and current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Moderate Allocation Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> 0.0108 0.1025 0.0414 0.0578 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">capital appreciation and current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income, with a greater </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">emphasis on capital </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appreciation.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Moderate-Plus Allocation </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> 0.0111 0.115 0.0588 0.0767 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to obtain a high level of </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">current income, preserve its </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assets and maintain liquidity.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Money Market Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Dreyfus, a division of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Mellon Investment Corporation</span> 0.0067 0.0366 0.0279 0.0173 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve high current </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income consistent with </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">moderate risk to capital.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Quality Bond PLUS Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and Pacific Investment Management </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Company LLC</span> 0.0082 0.0632 -0.0019 0.0131 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to replicate as closely as </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">possible (before expenses) the </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">total return of the Russell 2000® </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Index (“Russell 2000”).</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>EQ/Small Company Index Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P.</span> 0.0063 0.1257 0.0616 0.0944 <span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Seeks to achieve long-term </span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">growth of capital.</span></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Multimanager Technology Portfolio</b></span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Equitable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Management Group, LLC</span> <span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">AllianceBernstein L.P., </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">FIAM LLC, and Wellington </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Management Company LLP</span> 0.0123 0.2587 0.1246 0.1941 1Deducted upon surrender, annuitization under a non-life contingent annuity payout option, or a withdrawal of amounts in excess of the 10% free withdrawal amount, if applicable. The Withdrawal Charge percentage we use is determined by the number of years since receipt of the contribution to which the charge relates. For each contribution, we consider the Contract Year in which the contribution is received as “year 1.” See “Charges and Fees – Withdrawal Charge” for additional information. 2The Express Mail Charge is currently $20. The Wire Transfer Charge is currently waived. The Duplicate Contract Charge is currently waived. We may increase these charges up to the maximum shown and/or discontinue the waivers at any time, with or without notice. 1The Annual Administrative Charge is deducted from your Account Value on each Contract Date Anniversary. If the Contract is surrendered or annuitized or a death benefit is paid on any date other than the Contract Date Anniversary, we will deduct a pro rata portion of the administrative charge for that year. If your Account Value on a Contract Date Anniversary is $50,000 or more there is no charge. During the first two Contract Years this charge, if applicable, is equal to the lesser of $30 or 2% of your Account Value. Thereafter, the charge, if applicable, is $30 for each Contract Year. 2Deducted annually on each Contract Date Anniversary for which the benefit is in effect. If the Contract is surrendered or annuitized or a death benefit is paid, or the benefit is terminated (if applicable) on any date other than the Contract Date Anniversary, we will deduct a pro rata portion of the charge for that year. 3The benefit base is not an Account Value or Cash Value. If you elected the GMIB and/or the GMDB when you purchased your EFLIC Contract, your initial benefit base was equal to your initial contributions to your EFLIC Contract. For Accumulator® PlusSM Contracts, your initial benefit base did not include the Credit. Subsequent adjustments to the applicable benefit base may result in a benefit base that is significantly different from your total contributions or Account Value. See “Death Benefit Options” in “DEATH BENEFITS“ and “Guaranteed Minimum Income Benefit (“GMIB”)” in “OPTIONAL LIVING BENEFITS.“ 4The current charge is 0.80%. We will increase this charge to the maximum charge shown in the table if you elect to reset your Roll-up Benefit Base on any Contract Date Anniversary. See “Enhanced Death Benefit Charges” in “CHARGES AND FEES”. The charge was not increased for any reset prior to April 1, 2013 under the EFLIC Contract. 5The current charge is 0.65%. We will increase this charge to the maximum charge shown in the table if you elect to reset your Roll-up Benefit Base on any Contract Date Anniversary. See “Enhanced Death Benefit Charges” in “CHARGES AND FEES”. The charge was not increased for any reset prior to April 1, 2013 under the EFLIC Contract. 6The net loan interest charge is the difference between the rate of interest we charge you for a loan and the rate of interest we credit on the amount in your loan reserve account. In no event will the net loan interest charge exceed 2.00%. See “Loans under Rollover 403(b) Contracts” in “OTHER BENEFITS” for more information on how the loan interest is calculated and for restrictions that may apply. *These are the minimum and maximum Fund fees and expenses before any expense reimbursements or fee waiver arrangements. Please note that the Fund fees shown in APPENDIX A are after (net of) any expense reimbursements or fee waiver arrangements. 1The first Example reflects the assessment of Withdrawal Charges (if applicable) calculated based on the time of investment in the Contract. However, the time your contributions were invested in the EFLIC Contract is taken into account for purposes of determining whether a Withdrawal Charge applies to those contributions under the Contract. If you elect to exchange your EFLIC Contract for the Contract, and at the time of the exchange no Withdrawal Charges applied to the contributions under your EFLIC Contract, no Withdrawal Charges would apply to those contributions under the Contract. *The interest charge is the difference between the rate of interest we charge you for a loan and the rate of interest we credit the amount in your loan reserve account. In no event will the net loan interest charge exceed 2.00%. 1Current Expenses are each Fund’s total net annual operating expenses and reflect any temporary expense reimbursements or fee waiver arrangements that are in place and reported in the Fund’s prospectus.