SECUREDESIGNS VARIABLE ANNUITY Standard Death Benefit - Contract Issue Age 81 and Older Standard Death Benefit - Contract Issue Age 80 or Younger Systematic Withdrawals Dollar Cost Averaging Option Asset Reallocation Option DCA Plus Account Loans Annual Stepped Up Death Benefit Waiver of Withdrawal Charge Alternate Withdrawal Charge (0-Year) Alternate Withdrawal Charge (4-Year) 4 Extra Credit Automatic Bonus Credit Guaranteed Growth Death Benefit 3 Percentage Guaranteed Growth Death Benefit 5 Percentage Guaranteed Growth Death Benefit 6 Percentage Guaranteed Growth Death Benefit 7 Percentage Guaranteed Lifetime Withdrawal Benefit One Covered Person Guaranteed Lifetime Withdrawal Benefit Two Covered Persons Guaranteed Minimum Withdrawal Benefit Guaranteed Minimum Income Benefit 3 Percentage Guaranteed Minimum Income Benefit 5 Percentage 3 Percentage Extra Credit 5 Percentage Extra Credit Total Protection Guaranteed Growth Death Benefit Enhanced Death Benefit Guaranteed Lifetime Withdrawal Benefit Guaranteed Minimum Income Benefit 6 Percentage Dollar for Dollar Guaranteed Minimum Income Benefit Extra Credit Combined Annual Stepped Up and Guaranteed Growth Death Benefit Combined Enhanced and Annual Stepped Up Death Benefit Combined Enhanced and Guaranteed Growth Death Benefit Combined Enhanced Annual Stepped Up and Guaranteed Growth Death Benefit 6 Percentage Dollar for Dollar Guaranteed Minimum Income Benefit and Guaranteed Minimum Death Benefit AB Discovery Value - Class B AB VPS Dynamic Asset Allocation - Class B American Funds IS® Asset Allocation - Class 4 American Funds IS® Capital World Bond - Class 4 American Funds IS EUPAC Fund - Class 4 American Funds IS® Global Growth - Class 4 American Funds IS® Growth-Income - Class 4 American Funds IS® New World - Class 4 BlackRock Equity Dividend V.I. - Class III BlackRock Global Allocation V.I. - Class III BlackRock High Yield V.I. - Class III BNY Mellon IP MidCap Stock - Service Class BNY Mellon IP Small Cap Stock Index - Service Class BNY Mellon IP Technology Growth - Service Class BNY Mellon VIF Appreciation - Service Class ClearBridge Variable Growth - Class II Clearbridge Variable Small Cap Growth - Class I Fidelity® VIP Equity-Income - Service Class 2 Fidelity® VIP Growth Income - Service Class 2 Fidelity® VIP Growth Opportunities - Service Class 2 Fidelity® VIP High Income - Service Class 2 Fidelity® VIP Overseas - Service Class 2 Franklin Allocation VIP Fund - Class 4 Franklin Income VIP Fund - Class 2 Franklin Mutual Global Discovery VIP Fund - Class 2 Franklin Small Cap Value VIP Fund - Class 2 Franklin Strategic Income VIP Fund - Class 2 Guggenheim VIF Floating Rate Strategies Guggenheim VIF Global Managed Futures Strategy Guggenheim VIF High Yield Guggenheim VIF Multi-Hedge Strategies Guggenheim VIF Total Return Bond Invesco V.I. American Value - Series II Invesco V.I. Comstock - Series II Invesco V.I. Core Plus Bond - Series II Invesco V.I. Discovery Mid Cap Growth - Series II Invesco V.I. Equity and Income - Series II Invesco V.I. EQV International Equity - Series II Invesco V.I. Global - Series II Invesco V.I. Global Real Estate - Series I Invesco V.I. Government Money Market - Series II Invesco V.I. Government Securities - Series II Invesco V.I. Health Care - Series I Invesco V.I. Main Street Mid Cap Fund® - Series II Invesco V.I. Main Street Small Cap Fund® - Series II Janus Henderson VIT Enterprise - Service Class Janus Henderson VIT Research - Service Class Lord Abbett Series Bond-Debenture VC - Class VC Lord Abbett Series Developing Growth VC - Class VC LVIP American Century Mid Cap Value - Service Class LVIP American Century Ultra - Service Class LVIP American Century Value - Service Class LVIP JPMorgan Core Bond - Service Class MFS® VIT II Research International - Service Class MFS® VIT Total Return - Service Class MFS® VIT Utilities - Service Class Morgan Stanley VIF Emerging Markets Equity - Class II Morningstar Aggressive Growth ETF Asset Allocation Portfolio - Class II Morningstar Balanced ETF Asset Allocation Portfolio - Class II Morningstar Conservative ETF Asset Allocation Portfolio - Class II Morningstar Growth ETF Asset Allocation Portfolio - Class II Morningstar Income and Growth ETF Asset Allocation Portfolio - Class II NAA All Cap Value Series NAA Large Cap Value Series NAA Large Core Series NAA Large Growth Series NAA Mid Growth Series NAA Small Cap Value Series NAA Small Growth Series NAA SMid-Cap Value Series NAA World Equity Income Series Neuberger Berman Quality Equity Portfolio - Class S Nomura VIP Asset Strategy - Service Class PIMCO VIT All Asset - Administrative Class PIMCO VIT CommodityRealReturn Strategy - Administrative Class PIMCO VIT Emerging Markets Bond - Advisor Class PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Administrative Class PIMCO VIT Low Duration - Administrative Class PIMCO VIT Real Return - Administrative Class PIMCO VIT Total Return - Advisor Class Putnam VT Small Cap Value - Class IB Royce Micro-Cap - Investment Class T. Rowe Price Health Sciences - Class II Templeton Emerging Markets VIP Fund - Class 2 Templeton Global Bond VIP Fund - Class 2 Western Asset Variable Global High Yield Bond - Class II Fixed Account DCA Plus Account Fixed Option Optional Riders Alternate Withdrawal Charge Point To Point 6 Months Point To Point 1 Year Risk of Investment Loss Short-Term Investment Risk Withdrawal Risk Subaccount Risk Managed Volatility Fund Risk Purchase Payment Risk Financial Strength and Claims-Paying Ability Risk Business Disruption and Cybersecurity Risk Loan Risk Credit Enhancement Risk Tax Consequences Risk Advisory Fee Deduction Risk